vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-23 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: KY

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   XXXX  claims that I have  XXXX  charge off credit cards in unknown, unidentified amounts. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.

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 2017-05-23 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: KY

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   XXXX  claims that I have  XXXX  charge off credit cards in unknown, unidentified amounts. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: KY

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   XXXX  claims that I have  XXXX  charge off credit cards in unknown, unidentified amounts. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.

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 2017-05-23 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: CA

Complaint narrative:
Credit report from  XXXX  and   XXXX   showed an account from  XXXX   XXXX  that is NOT mine. The account was deliquent and affecting my credit. Could not open a bank account. I disputed it over 45 days ago and got an email from  XXXX  stating it was deleted. I tried opening a secured credit card with  XXXX   XXXX  but got denied because of the misinformation from credit bureaus stating that i have deliquent account which is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: CA

Complaint narrative:
Credit report from  XXXX  and experian showed an account from  XXXX   XXXX  that is NOT mine. The account was deliquent and affecting my credit. Could not open a bank account. I disputed it over 45 days ago and got an email from  XXXX  stating it was deleted. I tried opening a secured credit card with  XXXX   XXXX  but got denied because of the misinformation from credit bureaus stating that i have deliquent account which is not 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 2017-05-23 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: KY

Complaint narrative:
XXXX   XXXX   XXXX  claims that I have a charge off credit card in an unknown, unidentified amount. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.

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 2017-05-23 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: KY

Complaint narrative:
XXXX   XXXX    XXXX   claims that I have a charge off credit card in an unknown, unidentified amount. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: KY

Complaint narrative:
XXXX   XXXX   XXXX  claims that I have a charge off credit card in an unknown, unidentified amount. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.

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 2017-05-23 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: KY

Complaint narrative:
My father has fraudulently filed for bankruptcy under my social security number in a different state. Experian claims that they " verified '' that the bankruptcy is mine after multiple disputes and sending  proof that it isnt mine. It is not possible to verify this bankruptcy via US Bankruptcy Court of  XXXX  b ecause i have already called twice and they have stated over the phone that they DO NOT sent out verifications or have an online system for credit reporting agencies to validate bankruptcies. Experian is in multiple violations of the FCRA and FDCPA.

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 2017-05-23 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: CO

Complaint narrative:
There are wrong items in my report Co urt US BKPT CT  NJ  XXXX  - #  XXXX    XXXX     XXXX  - Account #  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 2017-05-23 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: KY

Complaint narrative:
My father has fraudulently filed for bankruptcy under my social security number in a different state.  XXXX  claims that they " verified '' that the bankru ptcy is mine after multiple disputes and sending proof that it isnt mine. It is not possible to verify this bankruptcy via US Bankruptcy Court of  XXXX  b ecause i have already called twice and they have stated over the phone that they DO NOT sent out verifications or have an online system for credit reporting agencies to validate bankruptcies.  XXXX  is in multiple violations of the FCRA and FDCPA.

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 2017-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: TX

Complaint narrative:
XXXX   2016 ,  Selene Finance w rote and said that I was 18 months behind on mortgage payments, and when I submitted proof of all payments to the lawyer- they sold my account to  XXXX   XXXX  2016  The very first letter from  XXXX  stated that I was behind in paying them, they never send a statement saying how much to pay, or that payments have been received or a payment book or anything.   I paid a company named  XXXX  to help, only to have them ask for more investigational money ... ... I am so tired I could scream ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: CA

Complaint narrative:
You have reported wrong information in my report "  XXXX  Account #  XXXX   XXXX   XXXX  Account #  XXXX  ''  XXXX   XXXX  Account #  XXXX   XXXX   XXXX  Account #  XXXX  ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
XXXX   XXXX ,  2015 {$6 70.00} Money and a whole lot of stuff was stolen from me at this address. Put my 30 day notice in and was on a month to month rental agreement. Charges are ridiculous as I went to   XXXX   XXXX   and repaired part of the same thing and was only  XXXX  dollars. The carpets were not changed out. As I have experienced putting in carpet before. They said the carpet would be put in, a lot more day 's and hours than needed. What, the company did or is trying to do. Is charge and fee me for the new carpet to be put in. For another tenant. I never got the new carpet put in when first moving in. As, I know this could and can be done in one hour. The company has put this, matter into collections and has damaged my  credit score and  credit scores. A free country my opinion, a slum lord.

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 2017-05-23 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: PA

Complaint narrative:
There are many wrong items in my report. I have never paid late these accounts :  XXXX  Account #  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Account #   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Account #  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Account #   XXXX   XXXX   XXXX   XXXX   XXXX   -  XXXX   XXXX   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
Consumer complaint received 2017-05-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
XXXX   XXXX   XXXX  has been informed that property at  XXXX   XXXX   XXXX  in  XXXX   XXXX  Texas  XXXX  is owned by  XXXX   XXXX    XXXX   XXXX   XXXX   yet it has ignored repeated request to cease aggressive collection practices.  XXXX   XXXX   XXXX  on or about  XXXX   XXXX   XXXX  caused a collection letter to be sent by  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  again threatening foreclosure on a property owned by  XXXX   XXXX    XXXX      XXXX   XXXX  .      XXXX   XXXX   XXXX  was notified of this action on  XXXX   XXXX ,  XXXX  along with  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , the  XXXX  credit reporting agencies  XXXX ,  XXXX  and  XXXX .     Their collective action has caused undue stress and duress on us plus negatively impacted our credit files since  XXXX . They have repeated violated the Fair Credit Reporting Act ( FCRA ) along with the Federal Fair Debt Collection Practices Act. We have asked  XXXX ,  XXXX  and  XXXX  to update our credit files since  XXXX  when  XXXX   XXXX    XXXX   XXXX     XXXX  acquired said property but those credit reporting agencies have turned a blind eye to our requests.     We hereby seek damages and action to stop this undue harassment and duress caused by parties who have colluded to circumvent our legal and financial rights. Thank you for your consideration and speedy resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In  XXXX   2016 I conta cted several moving companies for a cross country move. The sales rep   XXXX   from   XXXX   XXXX   XXXX   XXXX   quoted me {$1800.00} and promised to throw in all the packing fees etc. I booked for  XXXX   XXXX  and when the driver arrived and moved all my belongings, he now told me my total was almost double the amount (  XXXX  $  ).  He told me to pay half the amount by c c ( chase ) ( {$1700.00} )  and dispute the following with his accounting dept.  XXXX . I did so and she promised to get back to me with a resolution. My belongings arrived and the driver demanded the remainder in ( {$1500. 00} )  cash.  XXXX  had never gotten back to me and if I did n't pay I would n't get my stuff. They held my belongings hostage and I had several missing boxes and damaged items. I reached out to both  XXXX  and  XXXX  and they avoid my emails and calls. I filed a dispute with my cc company and they dragged it along for 10 months. Finally the sided with the merchant because they picked up and delivered the items. I was a victim of a bait and switch and thier reputation apparently has scammed many people. Chase/Mc has a partnership with them that 's why they sided with them. Please help me ban them from scamming more people!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-23 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: WI

Complaint narrative:
I Called Equifax on  XXXX   XXXX     2017 after  sending several certified letters and hearing nothing in return. I talked to an employee that was beyond rude and refused to dispute my debt OR provide any information on how inaccurate information was verified with no contracts or bearing signature. ( this employee went on to say Equifax as a credit bureau Does Not have to verify anything, they can just look at at screen and if my name matches, it 's valid ) I then stated if you mark something on my report as verified by your company Equifax, I have a right under federal law to be given information on HOW this was verified as it IS Inaccurate.   I also informed this employee that the company continues to report addresses that I do not live at nor have lived at nor can I receive mail at. Which again means this company is reporting inaccurate information about me. I also sent a certified letter to EQUIFAX and  XXXX  on  X/XX/17    stating something along these lines ... Please validate this information with   XXXX   and provide me with copies of any documentation associated with this account, bearing my signature.   In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.   Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act  Section 611 ( a ) ( 1 )  ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to  XXXX  or any means of automated verification.   This company has no professionalism and before my call was over the employee had even told me to try to sue them, as he will not do anything to verify any information on my report and hung up on me. I was in shock! I have never in my life dealt with such horrible customer service, not to mention the fact that they make it impossible to talk to anyone about a dispute or incorrect data that they continue to report. Equifax and  XXXX  will transfer you over and over again until somehow the line gets cut. It is an endless circle that gets nowhere and then when you do finally get ahold of someone this is how they speak to you. Not impressed at all with this credit company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: PA

Complaint narrative:
There are many wrong items in my report. I have never paid late these accounts :  XXXX  Account #  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Account #   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Account #   XXXX   XXXX   XXXX   XXXX   -   XXXX   XXXX   XXXX   Account #   XXXX   XXXX   XXXX   XXXX   XXXX    -   XXXX   XXXX   XXXX   XXXX   -   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: TX

Complaint narrative:
There are mistakes in my report, please verify or remove immediately :   XXXX   XXXX    XXXX  -  XXXX  > I do n't recognize this account   XXXX    XXXX  > I never paid late   XXXX     XXXX   XXXX  > I never paid late  XXXX   XXXX   XXXX   XXXX  > I never paid late

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 2017-05-23 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: TX

Complaint narrative:
There are mistakes in my report, please verify or remove immediately :   XXXX   XXXX    XXXX  -  XXXX  > I do n't recognize this account   XXXX    XXXX  > I never paid late   XXXX   XXXX    XXXX  > I never paid late  XXXX   XXXX   XXXX   XXXX  > I never paid late

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: AZ

Complaint narrative:
There is mistake in my report "  XXXX   XXXX   XXXX  Account #  XXXX  '' I do n't recognize this account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: AZ

Complaint narrative:
I did n't recognize these accounts : "  XXXX   XXXX   XXXX  Account #  XXXX  '' "  XXXX   XXXX  Account #  XXXX  ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: AZ

Complaint narrative:
I did n't recognize these accounts : "  XXXX   XXXX   XXXX  Account #  XXXX  '' "  XXXX    XXXX   Account #  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