vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I got a debt letter from IQ Data stating I owe money to XXXX   XXXX. I have attempted to contact XXXX XXXX, but they have not returned my emails, and I want all contact to be in writing. 

IQ data stated that XXXX XXXX did not have a forwarding address for bills. Which is false. Since I was moving out on a day they were closed they asked me to leave the key and forwarding address on kitchen counter which I did. I have attached email and picture of forwarding address on kitchen counter. 



XXXX XXXX XXXX XXXX XXXX   XXXX  They had my phone number as well as email and never attempted to contact me. Furthermore they charged for 3 months water bill which doesn't make sense since I have been paying water bill every month, and I would only expect the last months bill. Furthermore when I moved in they sold an eDeposit service where I pay XXXX dollar premium and edeposit service pays up for XXXX dollars when I moved out for any deposit owed. 

Here is the information for my policy which XXXX XXXX  told me sign up for. You can't sign up for an edeposit policy independently it has to be done through a participating complex which porterwood was : Thank you! The ePremium eDeposit security deposit insurance coverage has been purchased. 

This is not an insurance policy, but rather an EVIDENCE OF COVERAGE. Details explaining the security deposit insurance coverage being provided are presented below. 

Coverage Purchase Date : XX/XX/2015 Insurance Company Insurance Company : XXXX XXXX XXXX XXXX Customer Service : 1 (  XXXX ) XXXX Insurance Agent : XXXX XXXX XXXX, XXXX. XXXX ( XXXX ) XXXX Coverage Details Assigned Coverage Number : XXXX Primary Resident : XXXX XXXX Additional Resident ( s ) : Insured Location : XXXX Fm XXXX XXXX XXXX, TX XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Contact Phone # : ( XXXX ) XXXX Security Deposit Coverage Amount : {$400.00} For these reasons I believe XXXX XXXX   is not acting in good faith by not directly replying to me and using a Debt Collection agency. Therefore the Debt Collection agency needs to get the appropriate responses from apartment complex to verify validity of debt.

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 2019-05-29 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:
I was looking at my credit to see what all I needed to do to qualify for a mortgage loan and noticed several accounts that I didn't recognize. So I pulled all 3 of my reports and saw multiple items across all 3. I knew I had to do something. So I decided to take action to get these items removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear CFPB, I desperately need your help in this matter with Equifax. Please help me, I would like to put another complaint on Equifax, I have been disputing items on my credit report since XX/XX/2019. FIRST, I would like to say each time I open a dispute my credit takes a 70 point decrease just from opening a dispute almost as to discourage me and being punish for opening a dispute. Second, Im really getting sick of the stall static that this company continues, I have received a letter that says that Equifax was not able to find me in your database, and that I need to send a valid social security card and a statement with proof of address. 

I have made copies of my previous letter and my last letter send out on XX/XX/2019 I also have attach the documents I have sent to prove my identity from my previous letter # 3 and letter # 4 each time. I have sent a COPY of my S.S card, COPY of my driver license, COPY of my check stub and even a COPY of my XXXX  XXXX bill and XXXX online statement. Only to receive a letter from your company suggesting I did NOT send the correct forms to prove my identity. When that is just a plain lie, my complaints have remained OPEN with absolutely NO response from your company. 

Complaints submitted on XX/XX/2019 OPEN COMPANY RESPONSE IS IN PROGRESS SINCE XX/XX/2019 on XX/XX/2019 OPEN COMPANY RESPONSE IS IN PROGRESS AS OF XX/XX/2019 on XX/XX/2019 OPEN COMPANY RESPONSE IS N PROGRESS AS OF XX/XX/2019 it is now XX/XX/2019 and NOTHING has been done. 

Equifax has been unable to solve and answered complaints but you they have time to send a stall tactic letter? 

Enclose : are my original scan paper work that I already and always have sent to Equifax, please see for yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: Colony Brands, Inc.
State: MO

Complaint narrative:
There are several over the last few months I have never applied for or even heard of. Some using diff names than my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
There are several over the last few months I have never applied for or even heard of. Some using diff names than my own.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29 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: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
There are several over the last few months I have never applied for or even heard of. Some using diff names than my own.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29 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: MO

Complaint narrative:
I'm constantly seeing inquiries on my credit file inwhich I have no knowledge of and for that reason alone I'm asking that they be removed from my credit file 1, XXXX XXXX ( XXXX ) 2. XXXX XXXX ( XXXX ) 3. XXXX XXXX ( XXXX ) 4. XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I recently got a lawsuit filed from a company called lvnv funding. I have never even heard of this company. I filed a request with the court asking that lvnv prove the bill was valid. They simply ignored my request and ruled in favor of lvnv and are working towards collecting. I feel my privacy rights may have been violated as well as the court in XXXX XXXX Indiana violating my rights to a fair trial by ignoring my request for proof I owe this company. I tried to take a screenshot of the court records but it would not let me. 
My contact information is XXXX. 
My phone number is XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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:
I'm constantly seeing inquiries on my credit file inwhich I have no knowledge of and for that reason alone I'm asking that they be removed from my credit file 1, XXXX XXXX ( XXXX-18 )  2. XXXX XXXX ( XXXX-18 ) 3. XXXX XXXX ( XXXX-18 ) 4. XXXX XXXX ( XXXX-18 )

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 2019-05-29 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:
I'm constantly seeing inquiries on my credit file inwhich I have no knowledge of and for that reason alone I'm asking that they be removed from my credit file 1, XXXX XXXX ( XXXX18 ) 2. XXXX XXXX ( XXXX18 ) 3. XXXX XXXX ( XXXX18 ) 4. XXXX XXXX ( XXXX-18 )

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 2019-05-29 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: MD

Complaint narrative:
After receiving and going over my credit file, it's obvious that I been a victim of identity theft and the aftermath has seriously impacted my credit file. As I begin my own investigation into the matter, I would like to demand physical certified documentation from the 3 major credit reporting agencies inwhom is reporting such frivolous accounts inwhich as effected me and my livelihood. Also I'm requesting that the credit reporting agencies share with me the Method of Verification inwhich they will take in solidifying this issue. If not please block the following accounts from my credit file immediately as stated within the consumer laws of the FCRA. These are the accounts that needs to be blocked. 

1 ) XXXX XXXX XXXX {$4600.00} 2 ) XXXX  XXXX XXXX {$990.00} 3 ) XXXX XXXX XXXX {$930.00} 4 ) XXXX XXXX {$670.00} 5 ) XXXX XXXX XXXX {$560.00} 6 ) XXXX XXXX {$530.00} 7 ) XXXX XXXX {$410.00} 8 ) XXXX  XXXX XXXX XXXX {$310.00} 9 ) XXXX XXXX {$230.00} 10 ) XXXX XXXX XXXX {$210.00} 11 ) XXXX XXXX  {$100.00} 12 ) XXXX XXXX {$57.00} 13 ) XXXX   XXXX XXXX {$51.00} 14 ) XXXX XXXX XXXX  15 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: IL

Complaint narrative:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2019-05-29 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: IL

Complaint narrative:
I have a public record & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: IL

Complaint narrative:
I have a public record & XXXX XXXX  entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and  Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2019-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please reverse the late payments reported on the following accounts : 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 2019-05-29 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: MD

Complaint narrative:
After receiving and going over my credit file, it's obvious that I been a victim of identity theft and the aftermath has seriously impacted my credit file. As I begin my own investigation into the matter, I would like to demand physical certified documentation from the 3 major credit reporting agencies inwhom is reporting such frivolous accounts inwhich as effected me and my livelihood. Also I'm requesting that the credit reporting agencies share with me the Method of Verification inwhich they will take in solidifying this issue. If not please block the following accounts from my credit file immediately as stated within the consumer laws of the FCRA. These are the accounts that needs to be blocked. 

1 ) XXXX XXXX XXXX {$4600.00} 2 ) XXXX XXXX XXXX {$990.00} 3 ) XXXX XXXX XXXX {$930.00} 4 ) XXXX XXXX {$670.00} 5 ) XXXX XXXX XXXX {$560.00} 6 ) XXXX XXXX {$530.00} 7 ) XXXX   XXXX {$410.00} 8 ) XXXX XXXX XXXX XXXX {$310.00} 9 ) XXXX XXXX {$230.00} 10 ) XXXX XXXX XXXX {$210.00} 11 ) XXXX XXXX {$100.00} 12 ) XXXX XXXX  {$57.00} 13 ) XXXX XXXX XXXX {$51.00} 14 ) XXXX XXXX XXXX  15 ) XXXX XXXX XXXXXXXX

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 2019-05-29 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: MD

Complaint narrative:
After receiving and going over my credit file, it's obvious that I been a victim of identity theft and the aftermath has seriously impacted my credit file. As I begin my own investigation into the matter, I would like to demand physical certified documentation from the 3 major credit reporting agencies inwhom is reporting such frivolous accounts inwhich as effected me and my livelihood. Also I'm requesting that the credit reporting agencies share with me the Method of Verification inwhich they will take in solidifying this issue. If not please block the following accounts from my credit file immediately as stated within the consumer laws of the FCRA. These are the accounts that needs to be blocked.

1 ) XXXX XXXX XXXX {$4600.00} 2 ) XXXX XXXX XXXX {$990.00} 3 ) XXXX XXXX XXXX {$930.00} 4 ) XXXX XXXX {$670.00} 5 ) XXXX XXXX XXXX {$560.00} 6 ) XXXX XXXX  {$530.00} 7 ) XXXX XXXX {$410.00} 8 ) XXXX  XXXX XXXX XXXX {$310.00} 9 ) XXXX XXXX {$230.00} 10 ) XXXX XXXX XXXX {$210.00} 11 ) XXXX XXXX {$100.00} 12 ) XXXX XXXX {$57.00} 13 ) XXXX   XXXX XXXX {$51.00} 14 ) XXXX XXXX XXXX 15 ) 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