vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-06 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: NJ

Complaint narrative:
XXXX XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1500.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$950.00} Closed XXXX XXXX XXXX   Reported : XX/XX/XXXX {$55.00} XXXX XXXX XXXX Reported : XX/XX/XXXX {$1800.00} In good standing XXXX XXXX XXXX  XXXX XXXX Reported : XX/XX/XXXX {$1600.00} Closed XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1200.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX  Reported : XX/XX/XXXX {$1500.00} Closed XXXX XXXX, XXXX. 
Reported : XX/XX/XXXX {$950.00} Closed XXXX/XXXX XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX XXXX XXXX  Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX  Reported : XX/XX/XXXX {$0.00} XXXX XXXX Reported : XXXX XXXX, XXXX {$1500.00} Closed XXXX XXXX XXXX XXXX Reported :XX/XX/XXXX {$1600.00} Closed XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1200.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX XXXX XXXX   Reported : XX/XX/XXXX {$0.00} Closed XXXX/XXXX  Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$1500.00} Closed XXXX  XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$1600.00} Closed XXXX XXXX XXXX  XXXX Reported : XX/XX/XXXX {$1200.00} Closed XXXX XXXX XXXX  Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX/XXXX  Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX   Reported : XX/XX/XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: GA

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be re-investigated : XXXX XXXX XXXX XXXX  Original creditor : 01 XXXX XXXX XXXX XXXX {$2400.00} Account Info Account numberXXXX Collection opened XX/XX/XXXX Account type Collection Account Balance Loan Amount {$2400.00} Payment Info Original loan amount {$2400.00} Balance {$2400.00} Account Name Account Number Account Type Date Opened Status Account Name Account Number Account Type Responsibility Date Opened Status Account Name Account Number Account Type Responsibility XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Collection Individual XX/XX/XXXX Collection account. {$2400.00} past due as of XX/XX/XXXX. 

XXXX- XXXX XXXX XXXX Business LOC  Individual Date Opened Account Name Account Number Account Type Responsibility Date Opened XX/XX/XXXX Collection account. {$980.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Lease Individual XX/XX/XXXX Account charged off. {$2700.00} written off. 



I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

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 2020-03-06 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: FL

Complaint narrative:
I have disputed an account to no avail with all three credit bureaus. They refuse to investigate and remove this fraudulent information from my 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 explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My account was restricted 2 years ago because Capital One suspected so called fraud on my account which was not the case. Finally, in XX/XX/XXXX, the account was closed out with a balance of {$1700.00} and a check was mailed to an old address. When I realized this in XX/XX/XXXX I immediately contacted Capital One. I was advised by a manager that a stop payment would be placed on the old check and I would receive a new check in the mail to the correct address within 7-10 business days. I never received the check. Since then I have spoken to 9 different managers and I am on the phone with another as I type this message because each time I call I am advised to wait for the check 7-10 days because the last manager sent the request to the wrong department. Capital One has done nothing but give me the around for 2 months now, as it is now XXXX and no check is in site. I am frustrated just as I was 2 years ago when my account was first restricted and caused me a financial down spiral. I know that what they have done and are still doing is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-03-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP
State: IL

Complaint narrative:
XX/XX/2020 Received a second notice, on pink paper this time, demanding to collect a debt for civil penalty ( traffic violation ) of {$200.00}. The notice has 3 different PO Box addresses across 3 states. The town the violation is listed for, does not have a Washington state address. It includes a website XXXX and a number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
Identity theft. In XX/XX/2020, I received multiple letters from JP Morgan Chase Bank that accounts had been attempted to be opened ( fraudulently ) in my name but it was declined due to inability to verify identity ( correctly ). I called the Bank and informed them that yes indeed, I did not attempt to open any such account. Several weeks later I received two letters from JP Morgan Chase Bank that two accounts had been opened ( fraudulently ) in my name with my address, each funded with {$160.00} and very shortly overdrawn by {$120.00} and {$180.00}. I called again and was transferred to numerous departments and was given numerous explanations but no real help and no willingness to close the accounts. I did give them a great deal of information with promises to investigate but to no avail. I opened up account with identitytheft.gov, notified credit companies, and sent them letters. 
The accounts at JP Morgan Chase Bank are XXXX and XXXX. Why would they open accounts without verification and then allow over drafting within 4 days?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: FL

Complaint narrative:
I have disputed an account to no avail with all three credit bureaus. They refuse to investigate and remove this fraudulent information from my 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 explanation
Consumer complaint received 2020-03-06 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: FL

Complaint narrative:
I have disputed an account to no avail with all three credit bureaus. They refuse to investigate and remove this fraudulent information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I contacted XXXX university for which was given money to cover expenses of education. 
The problem is I've never attended this school, enrolled in this school. I have 0 classes and 0 credits for this school however I am still being held responsible to pay for a loan given to a school that I did not attend. 
( 2 ) i contacted the us department of education and they emailed me a form which I've sent back to them regarding this complaint. 
However, the problem is my tax return is being offset. Which the calculation is in question of exactly how much I owe. Because money was paid to a school I did not attend. 
My account is now is with XXXX  XXXX  XXXX  whom of which have a 66 page lawsuit pending for predatory practices. Which I told the department of education that I was uncomfortable working with this agency for such and they advised me to still work with them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This problem originally included both XXXX  and Equifax ; XXXX  corrected the issue and removed any reference to XXXX from my credit report. Equifax did not. 
The furnisher company involved is XXXX XXXX  XXXX, a division of XXXX XXXX. 
The company services a mortgage that is under foreclosure and has been for the past 10 years. 
The last payment made on that mortgage was XX/XX/XXXX. 
The resolution they filed with Equifax even had that date but somehow they also claim I made some kind of payment in XXXX. 
I did not. 
The record proposed by XXXX also claims " paid as agreed '' but shows a 180+ days delinquency, a glaring inconsistency. 
In XXXX, XXXX was not the servicer of the loan and it belonged to a different company as well ( XXXX services it for XXXX XXXX, XXXX ; it was serviced previously by XXXX XXXX XXXX which never recorded a payment in XXXX ). 
Attached is an Affidavit from an employee of XXXX that was filed in an unsuccessful bid to foreclose on the house, and which specifies that no payment was received since XX/XX/XXXX. 
Also attached is Equifax 's report on the issue. Notice that the information that supposedly came from XXXX is internally inconsistent ; on one page they acknowledge that the date of first delinquency was XX/XX/XXXX ( I'll accept even though it was XX/XX/XXXX, the difference is immaterial ). In another place, they claim payment in XX/XX/XXXX. This is not in keeping with the sworn affidavit or the other statement in the Report. 
When I tried to explain this to the representatives at Equifax, they claimed not to have access to the PDF  I was trying to explain to them and that is attached here, so we had unnecessary difficulty coming around to the inconsistency and source of the trouble.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: COAST PROFESSIONAL, INC.
State: GA

Complaint narrative:
My federal loans were on an unemployment deferment. The deferment expired while my XXXX XXXX husband was on maneuvers and I was in another state XXXX XXXX to our XXXX  child. The loans have now entered into default and I request rehabilitation. 

But I don't want to ratify the amount Coast demands and I can not agree to any payment plan until I know the precise nature of the charges Coast Professional demands from me. 

The numbers do not add up. 

Will you please explain : 1. Why the principal amount increased 2. The percentage of interest charged and calculated month over month / year that resulted in the Outstanding Interest amount annotated on the NSLDS. 

My forbearance letter dated XX/XX/XXXX with deferment start date XX/XX/XXXX ending XX/XX/XXXX indicates the current principal balance as follows : Loan Disbursed Date Current Principal Balance XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX TOTAL XXXX The NSLDS as of XX/XX/XXXX indicates my outstanding principal as follows : Loan Disbursed Outstanding Outstanding Date Amt Principal Balance Interest XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Total XXXX XXXX XXXX The Default Resolution Group indicates my principal amount as : {$60000.00} This debt collector is demanding over {$90000.00}! Over {$13000.00} is listed quite ambiguously as " *Fees and costs ''. 
I want the debt substantiated with a precise explanation of the amounts demanded. I then want rehabilitation to get my loans back on track and manageable.

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 2020-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NH

Complaint narrative:
We terminated our lease with the XXXX XXXX in XXXX NH and paid the amount due in full when turning in our keys. XXXX  then charged us an additional {$990.00}. I never got any bill, never got a phone call. National Credit Systems called us in XX/XX/2018 saying we owed them. I called the XXXX  and they said they sold the debt but would not tell me to whom. I sent NCS a certified mail with a notice of dispute on XX/XX/18, heard nothing, sent it again on XX/XX/18 and got back a copy of our XXXX  lease, so I then a settlement offer on XX/XX/18. We have never since heard back from them. I am asking assistance from this agency to mediate the matter and force NCS to comply fully with the request I made in regards to The Fair Debt Collection Practices Act. I require more than them sending old copies of a bill which did not exist at the time we paid our bill and moved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
XXXX XXXX i reside at XXXX XXXX XXXX XXXX ma XXXX SS # XXXX received a call saying I'd be sued and wages will be garnished for a XXXX XXXX  XXXX  account from 2004. I do not owe this bill. I'm very confused I was XXXX then. I don't owe XXXX dollars plus this is Erie they had my ss number also

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: TX

Complaint narrative:
Several times an account has been disputed, with both the agency and the creditor with letters requesting proper debt verification on XX/XX/XXXX / XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX. 
The agency did not provide for the 3rd time supporting documents, and methodology to verify the debt bearing my signature, and documents that make me legally binding contractually. The agency has failed to prove the debt, and also omited to provide the methodology according to the Fair Credit Reporting Act and other law. 
Wrongly they just issued a reinvestigation report with no support again. Attached you will find the letters sent on XXXX, and XXXX with this last 2 failures out of 3 or 4 disputes.

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 2020-03-06 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-03-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MacDowell & Associates, Ltd.
State: CA

Complaint narrative:
McDowell and Associates, a law firm in XXXX XXXX, CA has been contacting and harassing me for TWENTY plus years over a car loan that I never had, The loan was initiated due to identity theft when I was in college and lived in Washington State. They have continued to pursue me throughout the years, and claim they served me with a court summons in the year XX/XX/2000. In that year I did not live in California, and did not have the PO Box that they claim they served me at as I had used it years before and did not live in XXXX XXXX, anyways. Fast forward, I just received a judgement for XXXX for a debt that is not valid. They did not serve me legally, so I had no way to defend myself. Had I been served legally, I would have shown up with my police report, letter from City Attorneys office, Affadavit of Fraud from the FTC which is notartized, and it would have been taken care of. Now I have a judgement and have to deal with it. I am a XXXX person, and can not even drive to this courthouse which is far away. I intend to file a restraining order for harassment, sue them, and deal with XXXX XXXX XXXX and the court directly. Even if this was a valid debt, which it is not, the statute of limitations expired 18 years ago. I saw very bad reviews about this firms ethics and I can certainly see why.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: TX

Complaint narrative:
Several times an account has been disputed, with both the agency and the creditor with letters requesting proper debt verification on XX/XX/XXXX / XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX. 
The agency did not provide for the 3rd time supporting documents, and methodology to verify the debt bearing my signature, and documents that make me legally binding contractually. The agency has failed to prove the debt, and also omitted to provide the methodology according to the Fair Credit Reporting Act and other law. 
The agency failed again to reinvestigate on time and provide support. Attached you will find the letters sent on XXXX, and XXXX with this last 2 failures out of 3 or 4 disputes.

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