vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-06 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:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX - XXXX,XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: Avantus, LLC
State: TX

Complaint narrative:
Advantus llc inquired 2 different occasions. I have never inquired with this company. 
One date is XX/XX/2018. I did not apply with this company. Another date is XX/XX/2018. I did not apply with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
On XX/XX/2018 I wrote a letter to Merchants Credit Guide to  verify the account. They are reporting to all credit bureaus ( XXXX, XXXX & XXXX ) what is not verified and based on the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) it needs to be verified. 

On XX/XX/2018, I wrote a second letter to validate my request and provide me a copy of all original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the FCRA they are required to delete all unverified information. After two certified and mail returned receipt letters they still are not complying with my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove 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 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

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 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

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 non-monetary relief
Consumer complaint received 2019-06-06 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-06 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: Checkr, Inc
State: IL

Complaint narrative:
Thank you for calling XXXX Support. If you have further questions, you can always contact us from the " Help '' menu in the XXXX app. Thanks Sent by XXXX on Thursday, XX/XX/2019 at XXXX XXXX The above was an email response I received while trying to resolve and issue with my XXXX Partner account. My account is suspended ( unable to work ) per a background check by the company Checkr ( files attached ). I was unable to resolve this issue with XXXX and was told I need to follow up with the company who did my background check ( consumer report ). 
Checkr received a motor vehicle report which states that I have a ( surrendered ) Colorado license. Not only am I unsure what this  means and/or has to do with my ability to continue driving with XXXX ( as I currently live in Illinois and have an Illinois license ), my rights under the Fair Credit Reporting Act clearly state : Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment-or to take another adverse action against you-must tell you, and must give you the name, address, and phone number of the agency that provided the information. 

Per my rights under the Fair Credit Reporting Act, Checkr has failed to give me the name, address, and phone number of the agency that provided the Motor Vehicle Report information. This should render the inclusion of this information ( which is unknown to me and irrelevant to my employment ) null and void as it was specifically used adversely-to stop my independent contractor status with XXXX. 

I have attached all documents emailed to me on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove 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 2019-06-06 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am so disappointed how Experian 's investigation went. They keep on reporting the account as late. They refused to reverse the late payments without documentation as to why. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX/XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX, XXXX/XXXX XXXX, XXXX-XXXX  XXXX   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 2019-06-06 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: TX

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****

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 2019-06-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Synovus Bank
State: GA

Complaint narrative:
I have used Synovus Bank over 40 years. Several problems through out this time. I had registered for the {$500.00} over draft protection. I was not really sure what it was about. When I got my Statement for XXXX {$890.00} was taken from my account for Overdrafts. I am on Social Security XXXX My monthly take home is {$1500.00} a month. As you can see this was a terrible hit on my deposit. I went to the bank to talk to the Customer Service Mgr. He was no help but very smug. I wrote the bank 2 letters explaining what happened. I asked them to reply to my letter telling me why no one called me from the bank. If you use the debit card and it does not work. I always try again. It is {$36.00} every time you swipe that card. My Mom was in XXXX XXXX and died that month. I was bombarded with her illness and situation. I had not taken care of my bank business. I feel the bank should have called me or wrote me. Even emailed me. That {$890.00} was a shock to me. I did make mistakes but I think they made mistakes by not contacting me and not answering my letters. It is not very professional of them not to answer I am a customer of 40 year. XXXX XXXX I will move to another bank. 
My name is XXXX XXXX XXXX if you need to speak with me Thank you.

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

Complaint narrative:
I am so disappointed how Transunion investigation went. They keep on reporting the account as late. They refused to reverse the late payments without documentation as to why. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP XXXX 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 2019-06-06 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: TX

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. 

Chapter XXXX Bankruptcy 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 2019-06-06 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:
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. Chapter XXXX Bankruptcy XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
On XX/XX/2019 I received a summons for court from attorneys XXXX XXXX, XXXX XXXX, & XXXX XXXX who are representing Midland Funding LLC. This was the first time that I was informed that I supposedly owed someone any money. On XX/XX/2019 I mailed a validation letter XXXX certified ) which I obtained from the Fair Debt Practices Act to the above attorneys since all correspondences for Midland Funding LLC go to them. I received a letter back from them but all questions were not answered. I was not able to verify anything about Midland Funding LLC if they can do business in the state of Arizona, if they have the proper licensing to do business, or even if they are a legitimate business. They denied me that right, because they did not send all of that information I requested in that validation letter. Therefore I files a motion to dismiss the case against me. They filed papers trying to dismiss what I filed & so on. There was a hearing. When I went to court I explained that I sent a validation letter to Midland Funding LLC via their attorneys they didn't answer all of the questions therefor the case should be dismissed. A few days later I received another paper from the attorneys representing Midland Funding LLC that I didn't file an answer so it should be a default. The very next day I filed an answer to the court about this case basically stating all of the above. Also in the answer I filed in court I stated because they didn't answer all of my questions, they are not allowed to continue trying to collect the debt from me, nor can they sue me, or list it on my credit report. If they do, I can file a complaint, so I did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-06 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: CA

Complaint narrative:
I am so disappointed how Equifax investigation went. They keep on reporting the account as late. They refused to reverse the late payments without documentation as to why. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harvest Strategy Group, Inc.
State: TX

Complaint narrative:
XXXX XXXX plus account # XXXX was sent to a collection agency named Harvest. The phone number for the collection agency Harvest was provided to me by a customer service  representative from XXXX, Ive called Harvest at this XXXX several times, no one answers the phone and it will ring until eventually going to a voicemail, voicemail message asks you to leave a message with your contact info and a brief description as to what the call is about. I have left several messages ( at least 8 ), I have included in my messages my contact info and the account info for which I am calling about. I have yet to receive a call back from Harvest. All I am trying to do is settle my debt and have the negative mark in my account deleted, and have Harvest report to the credit bureaus that my account is paid in full. I am baffled at the fact that it is so hard to get to speak with someone at Harvest or even to get a phone call returned.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC
State: IL

Complaint narrative:
I need some Help with a Collection Agency again that has placed an OLD account on my credit report from XXXX that was handled by the Federal Trade Commision ( FTC ) and all Three ( 3 ) credit companies in the last 3yrs.This is an account that was handled by Medicare in XX/XX/2016. Now another company has been contacting me Via Phone ( on National Do Not Call List/Mail threating to take me to court. Now has Placed it in Collections Again. From Three years Ago. XXXX XXXX..I, m on XXXX, XXXX Veteran and XXXX Survivor . The Company that has taken the account is : Dept Recovery Solutions,XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX. ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Due to identity theft my credit file has numerous of unknown and unauthorized inquires on it. I'm demanding that these inquires be deleted immediately so that the 3 major credit reporting agencies can afford me my true report. Please delete the following inquiries : 1 ) XXXX XXXXcu ( XXXX ) 2 ) XXXX XXXX ( XXXX ) 3 ) XXXX XXXX XXXX ( XXXX ) 4 ) XXXX XXXXcu ( XXXX ) 5 ) XXXX Fcu ( XXXX ) 6 ) XXXX XXXX XXXX ( XXXX ) 7 ) XXXXXXXX XXXXcu ( XXXX ) 8 ) XXXX  ( XXXX ) 9 ) XXXX ( XXXX ) 10 ) XXXX Bank ( XXXX ) 11 ) XXXX XXXX ( XXXX ) 12 ) XXXX Bank ( XXXX ) 13 ) XXXX XXXX ( XXXX ) 14 ) XXXX ( XXXX ) 15 ) 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 2019-06-06 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: SC

Complaint narrative:
I have repeatedly sent letters to Equifax regarding wrong, fraudulent information on my credit report for almost a year. I also disputed with the other credit bureaus and the companies. They have all been cooperative but not Equifax. I am a victim of identity theft. I have already received notifications of at least 10 different breaches of my information. I have filed a police report, id theft reports/affidavits and sent them to Equifax. I have called them multiple times and they just keep flat out lying to me. They keep turning each correspondence into a " re-investigation '' then claiming they've verified with the companies and there is a bankruptcy that they claimed they actually verified with the court. Blatant Lie and I have been researching this stuff for about a year now. I found some case law directly against Equifax that says they aren't allowed to claim a court verified anything. XXXX XXXX, XXXX and XXXX  all deleted the items that I informed them that they were id theft related. I sent proof to Equifax. They don't give a XXXX! I told them on the last letter that I was going to file a complaint against them if they don't follow the law and remove these fraudulent items. They just sent me an updated report. A couple things were removed but they still left some things on there which I know they know should have been removed but instead they just claimed they verified them. Big fat lie!

Company response to consumer: Closed with explanation