vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Time Investment Company, Inc.
State: GA

Complaint narrative:
XXXX XXXX withThe Office of XXXX, XXXX XXXX XXXX for Time Investimate Company sends emails and texts with VERY abusive and threatening wording such as PLEASE IGNORE THIS AND SEE WHAT HAPPENS this happened on XX/XX/19 but was just the last time, ALL of his communications have threatened jail, credit damage, reputation damage, threatens to put in the newspaper that I am behind on payments. This last message stating PLEASE IGNORE THIS AND SEE WHAT HAPPENS has frightened my wife she thinks he is physically threatening us and I have told him several times in accordance with The Fair Debt Collections Act I do not wish for him to contact me except by postal mail, which he keeps ignoring. 

And the last 2 months I have tried to pay it by emailing XXXX XXXX as he asks me to and they never take the payment. But are adding missed payment fees and reporting it to my credit even though I EMAILED HIM TO MAKE THE PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The following accounts are fraudulent and they do not belong to me please remove them all. 

1. XXXX XXXX {$370.00} 2. XXXX XXXX {$240.00} 3. XXXX XXXX {$60.00} 4. XXXX XXXX {$180.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This fraudulent account has been deemed fraudulent via police report and through various of methods of dispute but still is reporting on my credit file and at this point I'm demanding the removal of these accounts hopefully this could be done without filing suit and/ or The FTC XXXX Please block the following accounts. 

[ 1 ] XXXX XXXX XXXX [ 2 ] XXXX XXXX [ 3 ] 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 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The following accounts are fraudulent and they do not belong to me please remove them all. 

1. XXXX XXXX {$370.00} 2. XXXX XXXX {$240.00} 3. XXXX XXXX {$60.00} 4. XXXX XXXX {$180.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The following accounts are fraudulent and they do not belong to me please remove them all. 

1. XXXX XXXX {$370.00} 2. XXXX XXXX {$240.00} 3. XXXX XXXX {$60.00} 4. XXXX XXXX {$180.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13 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: NJ

Complaint narrative:
I have erroneous reporting by XXXX XXXX XXXX  on my credit profile. I was deceptively informed by the customer service representative that I could make lump payment for my current bill and the following month. I was not told that that was not possible that two month have to be scheduled differently. I paid {$100.00} in XX/XX/2019 thinking that I have made payments for two months and also paid {$85.00} in XXXX. It was when I was talking to a customer representative yesterday about report of late payment that I was told that the information that I could make lump payment for two months erroneous. 
Please, XXXX XXXX XXXX need to remove these two late payment from my credit file.

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 2019-08-13 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 a victim of identity theft. The following accounts and credit inquiries listed on my Trans Union, XXXX   and XXXX credit report are all fraudulent and do not belong to me : XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XXXX XXXX. I been receiving phone calls at my home and employer of profane and vulgar language, abuse, legal action, job loss, jail, prison, threats of violence and death from the above creditors debt collection representatives. The above creditors are in violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal and state law.

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 2019-08-13 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: AZ

Complaint narrative:
I am a victim of identity and the following accounts and credit inquiries listed on my XXXX, Experian and XXXX XXXX credit report are all fraudulent and not my accounts or credit inquiries : 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. I have been receiving numerous and harassing phone calls at my home and employer of profane and vulgar language, abuse, threats of legal action, wage garnishment, job lost, jail, prison, violence and death threats from debt collection representatives from all of the creditors listed above. All of the above creditors are in complete and total violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal and state law. I am afraid and in complete fear of losing my life. This is so wrong and unnecessary...

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 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Please remove the 4 telephone numbers that's on my credit file. 

Last four the numbers to be removed. 

XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX Also please remove XXXX as my employer. All the above information is old and no longer shall be a part of my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Please remove the 4 telephone numbers that's on my credit file. 

Last four the numbers to be removed. 

1 ) XXXX 2 ) XXXX 3 ) XXXX 4 ) XXXX Also please remove XXXX as my employer. All the above information is old and no longer shall be a part of my file.

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 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Please remove the 4 telephone numbers that's on my credit file. 

Last four the numbers to be removed. 

1 ) XXXX 2 ) XXXX 3 ) XXXX 4 ) XXXX Also please remove XXXX as my employer. All the above information is old and no longer shall be a part of my file.

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 2019-08-13 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: MN

Complaint narrative:
I am a victim of identity theft. The following accounts and credit inquiries listed on my XXXX XXXX, Equifax and XXXX credit report are all fraudulent and do not belong to me : XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XXXX XXXX. I been receiving phone calls at my home and employer of profane and vulgar language, abuse, legal action, job loss, jail, prison, threats of violence and death from the above creditors debt collection representatives. The above creditors are in violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal and state law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13 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: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
The account that was reported on my XXXX  profile is inaccurate since I do not have the address at the time the service. I ask also do not receive any correspondence from Sunrise credit service about the money. 
I want Sunrise credit services to delete this frivolous charges.

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 2019-08-13 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: IA

Complaint narrative:
The following collection account is a fraudulent account and is not my account : XXXX XXXX XXXX, {$970.00}. I been receiving harassing and threatening phone calls of profane, vulgar and abusive language, threats of legal action, job loss, jail, prison, violence and death from the above XXXX XXXX XXXX. Thiss so unwarranted.

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 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The following accounts were opened up fraudulently and I'm demanding the immediate removal of these unauthorized and unknown accounts, please remove and block the following 1. XXXX   {$4700.00} 2. XXXX XXXX {$0.00} 3. XXXX XXXX {$560.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: IA

Complaint narrative:
The following collection account is a fraudulent account and is not my account : XXXX XXXX XXXX, {$970.00}. I been receiving harassing and threatening phone calls of profane, vulgar and abusive language, threats of legal action, job loss, jail, prison, violence and XXXX   from the above Debt Collection Company. Thiss so unwarranted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13 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: IA

Complaint narrative:
The following collection account is a fraudulent account and is not my account : XXXX XXXX XXXX, {$970.00}. I been receiving harassing and threatening phone calls of profane, vulgar and abusive language, threats of legal action, job loss, jail, prison, violence and XXXX   from the above Debt Collection Company. Thiss so unwarranted.

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 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The following accounts were opened up fraudulently and I'm demanding the immediate removal of these unauthorized and unknown accounts, please remove and block the following 1. XXXX   {$4700.00} 2. XXXX XXXX {$0.00} 3. XXXX XXXX {$560.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The following accounts were opened up fraudulently and I'm demanding the immediate removal of these unauthorized and unknown accounts, please remove and block the following 1. XXXX   {$4700.00} 2. XXXX XXXX {$0.00} 3. XXXX XXXX {$560.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Please remove any and all freezes, remarks and fraud alerts from my credit file.

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 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Please remove any and all freezes, remarks and fraud alerts from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Please remove any and all freezes, remarks and fraud alerts from my credit file.

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 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I applied for a XXXX/Goldman credit card and was shown a XXXX score of XXXX. I accepted, but then checked with TransUnion directly and my score was XXXX! I was deceived and given a high APR and low credit limit using inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I applied for a XXXX/XXXX credit card and was shown a TransUnion score of XXXX. I accepted, but then checked with TransUnion directly and my score was XXXX! I was deceived and given a high APR and low credit limit using inaccurate 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 2019-08-13 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:
According to the Fair Credit Reporting Act, XXXX XXXX XXXX a ) ( XXXX ) ( 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 XXXX  ( Original Creditor : CXXXX XXXX ) XXXX****, XXXX ( Original Creditor : XXXX XXXX ) XXXX****, XXXX ( Original Creditor : XXXX XXXX ) XXXX****, XXXX ( Original Creditor : 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 2019-08-13 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 XXXX, XXXX XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MI

Complaint narrative:
Years back I tried a modification with XXXX XXXX, got the run around, then XXXX  XXXX XXXX and got the run around for a modification as well. When things got bad financially at my home and I became delinquent and tried with XXXX  XXXX XXXX in the middle of a modification process, they changed the services to specialized loan servicing. They gave us the run around, and after two attempts and a lengthy stressful process, they decided to send me a check in the amount approximately {$3000.00} overage on escrow. Then after I cashed the check and used it to stay in my house, they said it was an error and we owed them {$3000.00} back. Then finally the HAMP program helped modify the loan with the {$3000.00} owed, and gave us a 40yr mortgage. It was XXXX. I went through trauma and XXXX. I was lied to by all three companies and I was misled and disrespected. I feel that an investigation needs to be made on my mortgage for the purpose of wrongdoing by these services and XXXX XXXX that also owns the loan. MERS states some servicers I never had with my mortgage as well. I was a victim of mishandling and unprofessional mortgage services by all these corporations.

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 2019-08-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The following companies ran unauthorized credit report on me, XXXX XXXX XXXX, XXXX, XXXX. .. I have never given permission for them to inquire my credit status, please remove it from my Equifax credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: CA

Complaint narrative:
The following companies ran unauthorized credit report on me XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX.. .. I have never given permission for them to inquire my credit status, please remove it from my Experian 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 non-monetary relief