vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-24 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-11-24 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: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-11-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: FL

Complaint narrative:
I have written to AR Resources, Inc., as well as XXXX Credit Reporting Agency -requesting that they investigate and update the inaccurate information they are reporting about me. The 'debt ' is not mine. The account numbers being reported are : XXXX and XXXX. This 'debt ' was incurred by someone other than me, using my name. Please investigate and instruct AR Resources to stop their reporting of inaccurate information about me. Thank you. XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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: GA

Complaint narrative:
XXXX XXXX XXXX {$1500.00} I challenge the accuracy, compliance and reportability of this listing by XXXX XXXX XXXX, and I contacted original creditor and was informed that this is an error and you must remove it, and they stated that this was not verified by their companyaccount was settled with original creditor ( 01 XXXX  XXXX  ) no contract existdebt can not be collected twice ; this against the law.

... grave errorsfalse claims and reportingI want this removed immediately or litigation may follow.

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.

Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2018-11-24 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
The company has placed multiple delinquent notices on my credit causing emotional distress. They also started to garnish my wages and continue to Harass me with phone calls I have documented all phone calls and letters they have sent regarding garnishment and money owed. I have informed the company that if they do not delete the accounts from my credit I will be taking legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-11-24 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: MA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-11-24 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: EQUIFAX, INC.
State: MA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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:
This is for XXXX card account XXXX XXXX/XXXX   I supplied the Ftc Identity theft paper work to them on last saturday, XXXX   XXXX and XXXX had XXXX  blocked in 72 hours Equifax however is making me wait 30 days as if it a regular dispute The confirmation number that i submitted it is XXXX I have attached to you the Ftc paper work along with the police report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I was receiving calls from other company about PMI on my mortgage I contact Chase about this. I was informed that it was on my loan but I was told it would come off in XX/XX/2018. I was later told that it was not on the notes however, calls are documented I asked the representative to review the notes and I requested to be transferred to a supervisor. I continue to get bad information from Chase they called me back and they gave me bad information. They have made several mistakes on my loan and forgot to include a second mortgage which you can inquire about and after this interaction, I requested no calls from them. They continued anyway. I called in XXXX to remind them on no calls when I made my payment. Now it is XXXX and I do not have access which I wanted to know why and they have sold only my active first mortgage to another lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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 — Investigation took more than 30 days
Company: LEXISNEXIS
State: IL

Complaint narrative:
LexisNexis claims to be unable to process my request due to inability to authenticate me based on the information I provided. I used a letter on XX/XX/2018, used by many others to which LexisNexis has responded to by starting investigations. The public records are the identifiers of note. LexisNexis has violated the FCRA 30-day provision. If LexisNexis can not validate me it seems the public records can not be validated either. Asking for additional information is a well-documented delay tactic of LexisNexis. The bankruptcy and my demographic info is what is needed as per other complaints to your company. The FCRA clearly outlines the information I am required to provide. I provided the information with my dispute on XX/XX/2018, XX/XX/2018, and XX/XX/2018. The public records are below : US BKPT CT IN XXXX XXXX US BKPT CT IN XXXX XXXX US BKPT CT IN XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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:
The company has placed multiple delinquent notices on my credit causing emotional distress. They also started to garnish my wages and continue to Harass me with phone calls I have documented all phone calls and letters they have sent regarding garnishment and money owed. I have informed the company that if they do not delete the accounts from my credit I will be taking legal action

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 2018-11-24 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:
The company has placed multiple delinquent notices on my credit causing emotional distress. They also started to garnish my wages and continue to Harass me with phone calls I have documented all phone calls and letters they have sent regarding garnishment and money owed. I have informed the company that if they do not delete the accounts from my credit I will be taking legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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:
The company has placed multiple delinquent notices on my credit causing emotional distress. They also started to garnish my wages and continue to Harass me with phone calls I have documented all phone calls and letters they have sent regarding garnishment and money owed. I have informed the company that if they do not delete the accounts from my credit I will be taking legal action

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 2018-11-24 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: FL

Complaint narrative:
I have written to Experian requesting they delete incorrect names and addresses five ( 5 ) separate times. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They will not delete the incorrect names, aliases, a/k/a or the inaccurate addresses. I have only lived at one ( 1 ) address my entire life : XXXX XXXX XXXX, XXXX, Florida XXXX  and my true name, the only name I have ever used is : 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 2018-11-24 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Byrider Franchising, LLC
State: IL

Complaint narrative:
I got financed through XXXX XXXX Byrider XX/XX/2017 and I am paying way to much. I'm paying almost XXXX for a XX/XX/2005 XXXX XXXX. Its confusing because none of the number match up, like the trade value, i did not put XXXX on a trade in. They charged me a reconditioning fee and didnt recondition it. Everything seems fraudulent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Performant Financial Corporation
State: MA

Complaint narrative:
ok this is XXXX XXXX XXXX I writing this complaint on Performant Recovery, inc XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, CA XXXX ok I received a debt today XX/XX/2018. stating I owe a debt principal balance XXXX interest XXXX plus there fees and cost of XXXX total balance XXXX Now this is a lie I don't even know any think about this debt.. first this is a violation of the fair credit reporting act .because they brought some back dated debt because my credit has been good and clean for 5 years now. I had a XXXX credit score till they pulled it down low ... second they never tried to contact me on the phone or letter till today. However they already put this on my credit report and damaged my credit. they did this on purpose they hurt me financially because I use my credit to acquire income producing assess ... they violated the fair credit reporting act .I don't owe them I don't know were they get this debt from or who sold them my information but its not my debt ... third of all they never gave me a change to see what this debt is about before they put this reaged debt on my credit report .. I demand they take it off my credit report IMMEDIATELY.I DONT KNOW ABOUT THIS DEBT THE LETTER DOES NOT TELL ME WHAT THE DEBT IS FOR AND WHO FROM THE ORIGIN CREDITOR. THEY JUST PUT IT ON MY CREDIT REPORT BEFORE THEY INFORM ME OF ANY THING. THIS IS A COMPLETE VIOLATION OF MY RIGHTS AND THE FDCRA FAIR DEBT CREDIT REPORTING ACT I WANT THIS OFF MY CREDIT REPORT FAST AND NOW.

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 2018-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC
State: FL

Complaint narrative:
This is not mine was not in bospital on XX/XX/2018. the name of collector capio .nane of hospital XXXX XXXX XXXX XXXX hospital . For XXXX this debt is not mine plz remove this..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Please check this account. I can not recall being late on my payments. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : SYNCB/XXXX  Account Number : XXXX Date : XX/XX/2017 Amount : {$1100.00}

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 2018-11-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CO

Complaint narrative:
As per a " scam '' to gain money, they had a promotion ( oddly enough they changed the name of the promotion quickly to something else ) to gather direct deposit of at least {$1000.00}, plus {$25.00} fee to open the account, which I did in the timeframe per details ( less than 3 months ). I even made sure with the banker in person several times in the promotion time ( XX/XX/XXXX to XX/XX/XXXX ) that I should be getting funds and that all conditions were met. I was supposed to get an additional {$200.00} as per promotion for that. I never got any money added to my account, no interest, nothing. I was SCAMMED! I want this US Bank closed immediately and fined for stealing money!

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 2018-11-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
The account balance was paid and there was a request to close the account. 

Instead of closing the account, there was some fee added then no statements were sent until the account was six months in the rear with late fees and interest. 

A closed account that had a XXXX  balance cost {$260.00} to close a second time. 

This is not right. Its a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2018 I filed a unauthorized fraud claim with Capital One 360 amounting to {$420.00}, ive provided police reports and documents proving these charges werent made by me, one charge was approved in my favor but the remaining ones werent and im not sure how to continue with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ECMC GROUP, INC.
State: MA

Complaint narrative:
ok this is XXXX XXXX XXXX I writing this complaint on XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, CA XXXX.. ok I received a debt today XX/XX/2018. stating I owe a debt principal balance XXXX interest XXXX plus there fees and cost of XXXX total balance XXXX.. Now this is a lie I don't even know any think about this debt.. first this is a violation of the fair credit reporting act .because they brought some back dated debt because my credit has been good and clean for 5 years now. I had a XXXX credit score till they pulled it down low ... second they never tried to contact me on the phone or letter till today. However they already put this on my credit report and damaged my credit. they did this on purpose they hurt me financially because I use my credit to acquire income producing assess ... they violated the fair credit reporting act .I don't owe them I don't know were they get this debt from or who sold them my information but its not my debt ... third of all they never gave me a change to see what this debt is about before they put this reaged debt on my credit report .. I demand they take it off my credit report IMMEDIATELY.I DONT KNOW ABOUT THIS DEBT THE LETTER DOES NOT TELL ME WHAT THE DEBT IS FOR AND WHO FROM THE ORIGIN CREDITOR. THEY JUST PUT IT ON MY CREDIT REPORT BEFORE THEY INFORM ME OF ANY THING. THIS IS A COMPLETE VIOLATION OF MY RIGHTS AND THE FDCRA FAIR DEBT CREDIT REPORTING ACT I WANT THIS OFF MY CREDIT REPORT  FAST AND NOW.

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 2018-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
On XXXX of this year I had made a payment arrangements for southwest Credit to take payments on the behalf of XXXX XXXX and something happened and the payment didn't happen I sent in checks totaling {$300.00} to them on XXXX and first told they didn't receive my payment then when I had XXXX XXXX the actual debtor call and southwest told the representative that the checks were going to be sent back to me I called and were told and confirmed that my check were in the mail now XXXX giving me until the XX/XX/XXXX to make the payment and southwest said on XX/XX/XXXX its mailed to my P. O. Box address I provided but now to be told my check were mailed to another address the priority mail XXXX XXXX XXXX XXXX XXXX XXXX United States postal service

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Prohealth Care, Inc
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX states as per earlier letter sent to me regarding a medical debt with XXXX XXXX XXXX XXXX XXXX account number XXXX First I will start off by saying I never received a initial letter or a first letter regarding this debt. Second at no point did I ever receive treatment at XXXX XXXX XXXXXXXX XXXX for anything This is a complete faberation

Company response to consumer: Untimely response