vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I recently sent in a letter disputing various items on my Equifax Credit report in XX/XX/XXXX and did not receieve a response within the 30 days of XXXX recieving my disputes. Furthermore I recieved correspondence XX/XX/XXXX ignoring my previous disputes. I am requesting that my XXXX Credit Report Reflect Accurate Information and the disputed items listed per the attached document be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC
State: MA

Complaint narrative:
I have received no collection notice from a company known as ACIMA CREDIT, but they have posted a collection on my XXXX credit report. I am at least entitled under the validation process of the Fair Debt Collection Practices Act to obtain a transfer notice showing signatures with the original creditor. There is not even a statement on the XXXX post of what company the indebtedness is owed to, The timeline for deletion would fall under the original creditor based upon the 7-year rule. This collection may well be beyond the legitimate timeline to even collect upon, and under the order of the office of Attorney General in the Commonwealth of Massachusetts I am entitled a notice that the collection is no longer enforceable. In the case, the collection is illegal and all references to my information must be purged from the credit bureaus as well as deleted from the internal process of ACIMA CREDIT XXXX XXXX. I demand a full validation with signed agreements to even collect a debt under FDCPA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
First off, I have NEVER applied for, nor do I have any account associated with Chase Bank. I first received a letter telling me that some purchase on my account was suspicious and I needed to contact the bank in order to protect my account. I did call and became suspicious when they started asking me personal info like my birth date and SS number. I provided neither. A few days later I received a letter stating I could no longer use the account because I did not provide the information requested. A few days after that I received a card that needed activation for the account. The problem is I have never applied for an account. They spelled my name wrong and they used my grandparents address and not mine. I know this is all a fraud but I need to be certain they haven't affected anything else having to do with my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have some fraud and derogatory accounts reporting on my credit report, I have contact the creditor directly by certify mail going back to XX/XX/2017. 
I also create a dispute with the three credit bureaus XXXX, XXXX, XXXX XXXX please help to get this out of my credit. I would like to have a right to sue civil please issue me a letter with a right to sue and collect damages. 
I will attach all the certify letter sent to the creditor. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have some fraud and derogatory accounts reporting on my credit report, I have contact the creditor directly by certify mail going back to XX/XX/2017. 
I also create a dispute with the three credit bureaus XXXX, XXXX, XXXX XXXX please help to get this out of my credit. I would like to have a right to sue civil please issue me a letter with a right to sue and collect damages. 
I will attach all the certify letter sent to the creditor. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I paid via XXXX with XXXX that is supported by Chase on the Chase website the amount of {$250.00} on XX/XX/XXXX at XXXX to a concert tickets seller, XXXX XXXX . I did not receive my concert tickets, I called my Chase bank as soon as I realized that the seller is a scammer, on XX/XX/XXXX, at XXXX with a request to stop the funds transfer or to reverse my payment but was told by a Chase representative that XXXX has no fraud protection, and Chase does not provide fraud protection for XXXX as well, although XXXX is listed as a XXXX method of payment once I log into my Chase account. There is No Disclaimer notifying Chase customers on the Chase website or XXXX app that all transactions are final, and NO fraud protection is provided by Chase or XXXX.. I requested to speak with a supervisor at Chase but was told the same thing. A complaint was filed by the Chase supervisor for a courtesy funds recovery. 
This is completely wrong and unacceptable to mislead the customers, and not provide Chase costumers with a disclaimer stating that Chase does not provide any fraud protection for the transactions via their XXXX service with XXXX as this service is supported by Chase, and has full access to my accounts with Chase. 
Can you please look into this situation, and assist me with recovery of my {$250.00}. Chase needs to keep their costumers fully informed and provide fraud protection for all the services that are offered to Chase costumers. 
I filed a complaint with the FBI regarding the ticket seller, and provided the FBI with all the details of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX continues to report incorrect credit information negatively impacting my ability to obtain credit, rent an apartment, or buy a home. XXXX indicates they rely upon XXXX XXXX and XXXX  Credit reports to verify the information they are reporting. XXXX XXXX previously responded, in writing, that the following accounts are not on my XXXX XXXX Account and not being reported. XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX # XXXX, XXXX : # XXXX. I previously attached ( 5 ) 1099-C provided by XXXX and XXXX ( Cancellation of Debt ). Both XXXX and XXXX admitted knowledge of my insolvency at the time of their wrongfull claim. Further, both XXXX and XXXX were aware that I had been a victim of a Privacy Breach from the Office of Personnel Management Privacy Breach and that my personal and financial information was being circulated on the dark web. Second XXXX XXXX continues to report as accurate a Chapter XXXX Bankruptcy Filing from XX/XX/2011 that was dismissed without a discharge. The exception to the rule which XXXX XXXX is in violation relates to the removal of Bankruptcy Filings not subject to a discharge. As a result, XXXX XXXX is also misreporting thre is an " Individual Debt '' responsibility, where there is not, otherwise XXXX XXXX would have reported the amount of the the debt. 

Both XXXX and XXXX have complied with the request to remove the wrongful reporting, but XXXX XXXX does not. This appears to be a pattern for XXXX XXXX as they are [ 5 ] Negative Accounts on my report and [ 1 ] Negative Public Record. Based on the information provided, none of the credit bureaus, XXXX, XXXX nor Capital One/XXXX have a legal right to continue misreporting this information. 

XXXX and XXXX abandoned all claims and cancelled all the debt, as such they are not party to any claim, nor can they report something that is no longer theirs. Yet the reporting persisits. XXXX, XXXX, Capital One/XXXX, XXXX XXXX, XXXX, XXXX, perhaps all are working in concert to deliberately suppress my credit score by reporting false information. 

My credit report speaks for itself if you will look beyond the issues I have raised. Nonetheless, even with these accounts listed my stats : XXXX % On-Time Payments. 
XXXX year old credit history line. 
XXXX % Credit Used. 
*No Recent inquries. 
*Even though I am handicapped due to your scoring for recent accounts, none have ever been late. 

I can easily demonstrate damages here. I am ready to buy a home, but I can not do so with this errant reporting on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Company did not update account as " disputed '' within the required length of time, which is required by law. See attached information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 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: WI

Complaint narrative:
I malied in list of disputes ffrom false and inaacurate information listed on my Experian Credit report. I did not recieve a response within 30 days of Experian recieving my disputes and still have not recieved any update. In addition the items listed on my Experian Credit report are inaccurate and negatively affecting my abilty to obtain 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 2018-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Company did not update account as " disputed '' within the required length of time, which is required by law. See attached information.

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 2018-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Company did not update account as " disputed '' within the required length of time, which is required by law. See attached information.

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 2018-10-07 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: Ocwen Financial Corporation
State: CA

Complaint narrative:
On XX/XX/2018 XXXX XXXX denied me a Mortgage refinance and HELOC loan. XXXX XXXX said I have a Lien on my Property Title Report and that I needed to contact GMAC Mortgage to clear this matter XXXX XXXX also stated that it seems that since I have excellent credit that GMAC Mortgage must have left this in error. Since then I have tried contacting GMAC Mortgage they have many subsidiaries I found that these Banks that I filed complaints with OCWEN, XXXX XXXX  they have both said they do not have " servicing rights '' I also contacted XXXX XXXX XXXX XXXX who can see my information but can not help me. I pulled a Deed of Trust and Assignment of Rents from XXXX XXXX county recorders DOC # XXXX MIN XXXX. I have looked at MERS Service ID and the information says that my MIN XXXX servicer is XXXXMAC Mortgager LLC XXXX XXXX, PA I tried contacting does no exist, I called the phone number listed on MERS ( XXXX ) XXXX this number redirects me to OCWEN debt collecting service in which they deny having any " servicing rights '' again my MIN status is " Inactive ''. I'm asking for MERSCORP to " Discharge '' and clear this lien on my Property Title Report. I will provide all documents with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 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: GA

Complaint narrative:
XXXX continues to report incorrect credit information negatively impacting my ability to obtain credit, rent an apartment, or buy a home. XXXX indicates they rely upon Trans Union and XXXX   Credit reports to verify the information they are reporting. Trans Union previously responded, in writing, that the following accounts are not on my Trans Union Account and not being reported. XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX # XXXX, XXXX : # XXXX. I previously attached ( 5 ) XXXX provided by XXXX and XXXX ( Cancellation of Debt ). Both XXXX and XXXX admitted knowledge of my insolvency at the time of their wrongfull claim. Further, both XXXX and XXXX were aware that I had been a victim of a Privacy Breach from the Office of Personnel Management Privacy Breach and that my personal and financial information was being circulated on the dark web. Second Trans Union continues to report as accurate a Chapter XXXX Bankruptcy Filing from XX/XX/2011 that was dismissed without a discharge. The exception to the rule which Trans Union is in violation relates to the removal of Bankruptcy Filings not subject to a discharge. As a result, XXXX XXXX is also misreporting thre is an " Individual Debt '' responsibility, where there is not, otherwise Trans Union would have reported the amount of the the debt. 

Both XXXX and XXXX have complied with the request to remove the wrongful reporting, but Trans Union does not. This appears to be a pattern for Trans Union as they are [ 5 ] Negative Accounts on my report and [ 1 ] Negative Public Record. Based on the information provided, none of the credit bureaus, XXXX, XXXX nor XXXX XXXX/XXXX  have a legal right to continue misreporting this information. 

XXXX and XXXX abandoned all claims and cancelled all the debt, as such they are not party to any claim, nor can they report something that is no longer theirs. Yet the reporting persisits. XXXX, XXXX, XXXX XXXX, Trans Union, XXXX, XXXX, perhaps all are working in concert to deliberately suppress my credit score by reporting false information. 

My credit report speaks for itself if you will look beyond the issues I have raised. Nonetheless, even with these accounts listed my stats : XXXX99 % On-Time Payments. 
*26 year old credit history line. 
XXXX30 % Credit Used. 
*No Recent inquries. 
*Even though I am handicapped  due to your scoring for recent accounts, none have ever been late. 

I can easily demonstrate damages here. I am ready to buy a home, but I can not do so with this errant reporting on my credit reports.

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 2018-10-07 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: GA

Complaint narrative:
XXXX continues to report incorrect credit information negatively impacting my ability to obtain credit, rent an apartment, or buy a home. XXXX indicates they rely upon XXXX XXXX and XXXX  Credit reports to verify the information they are reporting. XXXX XXXX previously responded, in writing, that the following accounts are not on my XXXX XXXX Account and not being reported. XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX # XXXX, XXXX : # XXXX. I previously attached ( 5 ) XXXX provided by XXXX and XXXX ( Cancellation of Debt ). Both XXXX and XXXX admitted knowledge of my insolvency at the time of their wrongfull claim. Further, both XXXX and XXXX were aware that I had been a victim of a Privacy Breach from the Office of Personnel Management Privacy Breach and that my personal and financial information was being circulated on the dark web. Second XXXX XXXX continues to report as accurate a Chapter XXXX Bankruptcy Filing from XX/XX/2011 that was dismissed without a discharge. The exception to the rule which XXXX XXXX is in violation relates to the removal of Bankruptcy Filings not subject to a discharge. As a result, XXXX XXXX is also misreporting thre is an " Individual Debt '' responsibility, where there is not, otherwise XXXX XXXX would have reported the amount of the the debt. 

Both XXXX and Equifax have complied with the request to remove the wrongful reporting, but XXXX XXXX does not. This appears to be a pattern for XXXX XXXX as they are [ 5 ] Negative Accounts on my report and [ 1 ] Negative Public Record. Based on the information provided, none of the credit bureaus, XXXX, XXXX nor XXXX XXXX/XXXX have a legal right to continue misreporting this information. 

XXXX and XXXX abandoned all claims and cancelled all the debt, as such they are not party to any claim, nor can they report something that is no longer theirs. Yet the reporting persisits. XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, Equifax, perhaps all are working in concert to deliberately suppress my credit score by reporting false information. 

My credit report speaks for itself if you will look beyond the issues I have raised. Nonetheless, even with these accounts listed my stats : *99 % On-Time Payments.

*26 year old credit history line.

*30 % Credit Used. 
*No Recent inquries. 
*Even though I am handicapped due to your scoring for recent accounts, none have ever been late. 

I can easily demonstrate damages here. I am ready to buy a home, but I can not do so with this errant reporting on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 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: GA

Complaint narrative:
XXXX continues to report incorrect credit information negatively impacting my ability to obtain credit, rent an apartment, or buy a home. XXXX indicates they rely upon XXXX XXXX and Experian Credit reports to verify the information they are reporting. XXXX XXXX previously responded, in writing, that the following accounts are not on my XXXX XXXX Account and not being reported. XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX # XXXX, XXXX : # XXXX. I previously attached ( 5 ) XXXX provided by XXXX and XXXX ( Cancellation of Debt ). Both XXXX and XXXX admitted knowledge of my insolvency at the time of their wrongfull claim. Further, both XXXX and XXXX were aware that I had been a victim of a Privacy Breach from the Office of Personnel Management Privacy Breach and that my personal and financial information was being circulated on the dark web. Second XXXX XXXX continues to report as accurate a Chapter XXXX Bankruptcy Filing from XX/XX/2011 that was dismissed without a discharge. The exception to the rule which XXXX XXXX is in violation relates to the removal of Bankruptcy Filings not subject to a discharge. As a result, XXXX XXXX is also misreporting thre is an " Individual Debt '' responsibility, where there is not, otherwise XXXX XXXX would have reported the amount of the the debt. Both Experian and XXXX have complied with the request to remove the wrongful reporting, but XXXX XXXX does not. This appears to be a pattern for XXXX XXXX as they are [ 5 ] Negative Accounts on my report and [ 1 ] Negative Public Record. Based on the information provided, none of the credit bureaus, XXXX, XXXX nor XXXX XXXX/XXXX have a legal right to continue misreporting this information. XXXX and XXXX abandoned all claims and cancelled all the debt, as such they are not party to any claim, nor can they report something that is no longer theirs. Yet the reporting persisits. XXXX, XXXX, XXXX XXXX, XXXX XXXX, Experian, XXXX, perhaps all are working in concert to deliberately suppress my credit score by reporting false information. My credit report speaks for itself if you will look beyond the issues I have raised. Nonetheless, even with these accounts listed my stats : *99 % On-Time Payments. *26 year old credit history line. *30 % Credit Used. *No Recent inquries. *Even though I am handicapped due to your scoring for recent accounts, none have ever been late. I can easily demonstrate damages here. I am ready to buy a home, but I can not do so with this errant reporting on my credit reports.

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