vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I provided Statements from the Credit Card company showing the date of my first delinquency ( in XX/XX/XXXX and another in XX/XX/XXXX ). I also provided a letter from the Credit Card Company demanding payment and the current past due status of my account. This clearly showed my delinquency occurred in XX/XX/XXXX, and this is when the clock should start ticking regarding the 7 years this negative information should be published on my credit report. Based on the information in the supporting documents from the Credit Card Company it is clear this negative account has been posted to my credit report exceeding 7 years. Twice now, I have requested all references to this account be removed from my report and both times I have received a response that stated the Credit Card Companies data is correct, and by stating this I can only assume the information I have received from the Credit Card Company back in XX/XX/XXXX and XX/XX/XXXX is not correct or the Credit Card Company is currently changing the information to allow them to continue posting this negative account information on my 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 2019-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery is constantly harrassing me calling my phone all hours of the night stating that I owe them money, which I told them that I do not and I believe someone close to me could have used my identify and I ask ed them to validate this debt and to show me my signature on credit application documents which they could not provide me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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 HAVE BEEN OPEN BY WAY OF FRAUD DURING A DATA BREACH I HAVE SENT IN A FTC REPORT TO REMOVE THE ITEMS AND BLOCK THEM THE FOLLOWING ACCOUNT IS : XXXX XXXX  XXXX ACCT # XXXX THE FOLLOWING INQUIRIES ARE : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX   XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV

Complaint narrative:
3 months ago I contacted iQ data international_ due to a XXXX $ Colection that was placed on my account, because of a apartment lease. The account is joint by me and and my daughter. I called and asked if I can make some sort of arrangement. They told me I can make a XXXX $ payment and the offer was only good untill the end of the month of XXXX. To hold the offer I would need to provide a debit card. I provided a pre-paid card to avoid any theft. I got a notice 3 days later that the company was trying to take XXXX $ from the card. They contacted me quickly when it didnt go through threatening me that if I didnt Give them the money there would be problems. I told them that they lied and I will not provide XXXX $ and they started using profanity making threats asking for the money. They started to contact family members letting them know they need to Collect my debt making threats as well to them. They claim they know where I live and they arent scared of coming to my house. Im tired of contacting them and would just like to resolve this to never talk to them again.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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:
I provided Statements from the Credit Card company showing the date of my first delinquency ( in XX/XX/XXXX and another in XX/XX/XXXX ). I also provided a letter from the Credit Card Company demanding payment and the current past due status of my account. This clearly showed my delinquency occurred in XX/XX/XXXX, and this is when the clock should start ticking regarding the 7 years this negative information should be published on my credit report. Based on the information in the supporting documents from the Credit Card Company it is clear this negative account has been posted to my credit report exceeding 7 years. Twice now, I have requested all references to this account be removed from my report and both times I have received a response that stated the Credit Card Companies data is correct, and by stating this I can only assume the information I have received from the Credit Card Company back in XX/XX/XXXX and XX/XX/XXXX is not correct or the Credit Card Company is currently changing the information to allow them to continue posting this negative account information on my 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 2019-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Claims Center LLC
State: OK

Complaint narrative:
I was contacted by XXXX by phone and e-mail on three separate occasions concerning a claim sold to his company. Mr XXXX indicated that he was attempting to collect on a debt he believed I owed to XXXX XXXX for damage caused to a gas line on my property. I informed Mr XXXX that I did not cause damage to XXXX 's gas line and that I was not going to pay a third party bill collector to satisfy damage that I am not responsible for. I advised him that these charges were applied to my account because the gas company billed it to the account associated with the property where the damage occurred. 

Today I replied to XXXX XXXX e-mail and told him who I thought caused the alleged damages as he requested based on photos he sent me of a vehicle that hit a line causing the damage. I told him it was not my vehicle and I was not the responsible party. He became abusive in his language and threatened to sue me personally. I made it clear to him on multiple occasions and in writing today that he was attempting to collect a debit in error. 

He stated that he would continue to call every 5 days until I admitted to the charges and paid his company the debit balance and {$150.00} to collect the debit or they would file suit and incurr additional legal fees. He said I was responsible for tracking down the person or persons who did cause the debt. He also stated that I could then sue to recoup the {$150.00} in fees, {$1200.00} in damages and {$2000.00} in threatened legal fees from the responsible party after I paid his company.

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 2019-12-11 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: TX

Complaint narrative:
I provided Statements from the Credit Card company showing the date of my first delinquency ( in XX/XX/XXXX and another in XX/XX/XXXX ). I also provided a letter from the Credit Card Company demanding payment and the current past due status of my account. This clearly showed my delinquency occurred in XX/XX/XXXX, and this is when the clock should start ticking regarding the 7 years this negative information should be published on my credit report. Based on the information in the supporting documents from the Credit Card Company it is clear this negative account has been posted to my credit report exceeding 7 years. Twice now, I have requested all references to this account be removed from my report and both times I have received a response that stated the Credit Card Companies data is correct, and by stating this I can only assume the information I have received from the Credit Card Company back in XX/XX/XXXX and XX/XX/XXXX is not correct or the Credit Card Company is currently changing the information to allow them to continue posting this negative account information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: McNeil & Meyers Asset Management Group, LLC
State: CA

Complaint narrative:
On XX/XX/2019 5 items were removed from my credit report by a company called MCNEIL & MYERS XXXX On XX/XX/2019 the very same five that were removed were reinstated onto my record. 

*Reaging*

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: FL

Complaint narrative:
I noticed a bankruptcy charge off account on my credit file early last year and Ive since then have been disputing this account with the 3 major credit bureaus XXXX has verified the account a a fraud account and since then has removed this account entirely off my file but EXPERIAN has been giving me the hardest time to do the same I honestly believe hat they do not even try to verify the account the just go off previous notes and make their decision based off of that For example I filed a dispute over the phone with them yesterday regarding the fraud account and with in hours the results where ready verified as mine .. I contacted the court and they verified that no one reached out to them and the notifications they had none where from Experian pertaining my file! How did they verify it was 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 2019-12-11 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I recently complained to XXXX XXXX about their misinformation via customer service phone number. After not resolving the issue they offered me lower APR which I declined, told them to close my account out. My balance was paid in full {$250.00}. for have the proof below and I can send bank statements. I disputed with Experian about the wrong information and credit one still has that I owe {$250.00} and the account is open.

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 2019-12-11 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: FL

Complaint narrative:
I noticed a bankruptcy charge off account on my credit file early last year and Ive since then have been disputing this account with the 3 major credit bureaus XXXX has verified the account a a fraud account and since then has removed this account entirely off my file but XXXX has been giving me the hardest time to do the same I honestly believe hat they do not even try to verify the account the just go off previous notes and make their decision based off of that For example I filed a dispute over the phone with them yesterday regarding the fraud account and with in hours the results where ready verified as mine .. I contacted the court and they verified that no one reached out to them and the notifications they had none where from XXXX pertaining my file! How did they verify it was mine?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-11 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: LEXISNEXIS
State: FL

Complaint narrative:
I noticed a bankruptcy charge off account on my credit file early last year and Ive since then have been disputing this account with the 3 major credit bureaus XXXX has verified the account a a fraud account and since then has removed this account entirely off my file but XXXX has been giving me the hardest time to do the same I honestly believe hat they do not even try to verify the account the just go off previous notes and make their decision based off of that For example I filed a dispute over the phone with them yesterday regarding the fraud account and with in hours the results where ready verified as mine .. I contacted the court and they verified that no one reached out to them and the notifications they had none where from XXXX pertaining my file! How did they verify it was mine?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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 have contacted XXXX on several occasions, I even emailed them also included my theft affidavit and still no response. I have disputed this account with the credit bureaus and still no luck speaking to anyone regarding this fraudulent account. I never had an account with this bank never even heard of this bank. I have requested that this be removed from my credit report. I have done my part and sent letters, contacted the credit bureaus as well as sent the company letters and no one will assist me. I never authorize this account and I want this off. When I checked my account its listed as a deposit account but on my credit its showing as a loan which also lets me know this company is fraud and according to the FCRA this is against the law. I am now forced to take legal action if we can't have this resolved. I have disputed this infomration with the Experian as well letting them know this account is fraud and experian is still reporting fraudulent activity as well as showing this as a tradeline I have never done business with this bank it even shows on the account deposit related so I am sure according to metro 2 compliance the fraudulent account was entered wrong in the system. I want this fraudulent account off my credit report seems to me both of these companies are fraud.

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 2019-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have contacted Capital One on several occasions advising this account is fraud. What make me know that this company does not care about consumers is the fact that I have emailed the Ceo 3 times and he has not responded. I have sent him 3 emails and I send another department an email as well stating that I have not had any relationships with this company. I tried to obtain there products and they stated I had previous accounts with them. I have advised them that I have never had a relationship with capital one and I have also provided them with an theft affidavit and again I have still been ignored. I have asked them to removed the fraudulent account and they are still reporting and ignoring me. I feel that they are not empathetic to the fact that I am a victim of identity theft and this is very time consuming or even acknowledge that there is a problem and I have never had any accounts with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$830.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX   opened on XX/XX/2019 with a credit limit of {$830.00} -This is not my account.

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 2019-12-11 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$830.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX   opened on XX/XX/2019 with a credit limit of {$830.00} -This is not my account.

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 2019-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LoanLeaders of America, Inc.
State: CA

Complaint narrative:
Upon searching for a lender that would approve me for a high debt to income ratio jumbo loan, I was referred to Loan Leaders of America , Inc. They advised me to complete the application to determine the loan amount for which they could qualify me. I explicitly withheld my social security number because I didnt want them to run credit and honestly disclosed that my score was in the excellent range. However, they got my social security number from other supporting documentation I gave them strictly for underwriting purposes, eg W2, and ran a credit report without my permission.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon searching for a lender that would approve me for a high debt to income ratio jumbo loan, I was referred to XXXX XXXX XXXX XXXX , XXXX. They advised me to complete the application to determine the loan amount for which they could qualify me. I explicitly withheld my social security number because I didnt want them to run credit and honestly disclosed that my score was in the excellent range. However, they got my social security number from other supporting documentation I gave them strictly for underwriting purposes, eg W2, and ran a credit report without my permission.

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 2019-12-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ray Klein, Inc.
State: TX

Complaint narrative:
Collection Agency ... PROFESSIONAL CREDIT SERVICE
Original Creditor Name ...XXXX XXXX
Date Assigned ...XX/XX/2018
Original Amount Owed ...$XXXX

Received a SIM card which did not work for internet access. So I canceled the service. Once cancelled, I was charge $XXXX  for a service that did not ever work..

Company response to consumer: Closed with explanation