vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-08 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: FL

Complaint narrative:
Since the past few months I've reached out to both XXXX and Experian regarding inaccurate information reporting on my credit profile thats affecting me from obtaining anything. Both companies NEVER sent me the proper documents that was asked proving that I was ever late on two accounts ( XXXX XXXX and XXXX XXXX XXXX XXXX ) and also about an account that's not even mine ( XXXX XXXX ). I have sent them several certified letters asking for proof and I have not received the information asked to prove to me that I was late. They are reporting inaccurate information on my credit profile. I have NEVER been late on my Bill 's in fact I have them set up on automatic payments every month. I explained that to them and they refuse to send me what I asked showing that I was ever late because by law a notice suppose to be sent to the consumer before a late is reported to the credit agency per the law.

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 2018-11-08 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: NC

Complaint narrative:
XXXX XXXX XXXX  is reporting what appears to be a medical debt on my credit report which I have NO knowledge of. I am fully insured with medical insurance which pays 100 % of all of my medical needs. This listing gives a date opened of XX/XX/2018. Again, I am NOT aware of this debt as being mine and I have disputed it with Experian but just got the dispute results back saying it has been updated. The original creditor was XXXX XXXX. I do NOT recall having any medical service done that would generate a bill such as this. Otherwise, according to a new credit reporting law, a listing such as this one is NOT supposed to be added to a credit report until AFTER 180 days giving the insurance company time to pay this. XXXX  will NOT remove this.

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 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: First Data Corporation
State: LA

Complaint narrative:
I am filing this complaint using information obtained from XXXX  credit reporting agency. 

On XX/XX/18 I filed a dispute on my XXXX credit report. It was showing that I had 3 public record reports. A few days before the 30 day deadline, it was closed with no change. I contacted XXXX, to see where the information come from. 

XXXX  gave me a tremendous run around, then ended up naming multiple companies as the source. I am filing this complaint on all of the services that XXXX stated where involved. I am hoping that if you where not involved, that you will at least provide a letter stating that you did not report the public record information to be true, and correct as XXXX  has stated. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, La XXXX XXXX XXXX The dispute timeline was filed on XX/XX/XXXX-XX/XX/XXXX XX/XX/2018. Once again I ask if you are not the involved party, please at least for the protection of myself, and your name a statement that you have not reported, not obtained a public record search. 

XXXX is using merged information, violations of the FCRA, and there breaking the law to try to push this off on me, and others. Please I am begging you to do the right thing, and help me fight XXXX. 

If you are the reporting co, please leave proper contact information, so I may call you, and get this taken care of. 

Thank you in advance, 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 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Innovis
State: LA

Complaint narrative:
I am filing this complaint using information obtained from XXXX credit reporting agency. 

On XX/XX/18 I filed a dispute on my XXXX credit report. It was showing that I had 3 public record reports. A few days before the 30 day deadline, it was closed with no change. I contacted XXXX, to see where the information come from. 

XXXX gave me a tremendous run around, then ended up naming multiple companies as the source. I am filing this complaint on all of the services that XXXX stated where involved. I am hoping that if you where not involved, that you will at least provide a letter stating that you did not report the public record information to be true, and correct as XXXX  has stated. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, La XXXX XXXX XXXX The dispute timeline was filed on XX/XX/XXXX-XX/XX/XXXX XX/XX/2018. Once again I ask if you are not the involved party, please at least for the protection of myself, and your name a statement that you have not reported, not obtained a public record search. 

XXXX  is using merged information, violations of the FCRA, and there breaking the law to try to push this off on me, and others. Please I am begging you to do the right thing, and help me fight XXXX. 

If you are the reporting co, please leave proper contact information, so I may call you, and get this taken care of. 

Thank you in advance, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: MicroBilt / PRBC (formerly CL Verify)
State: LA

Complaint narrative:
I am filing this complaint using information obtained from XXXX  credit reporting agency. 

On XX/XX/18 I filed a dispute on my XXXX credit report. It was showing that I had 3 public record reports. A few days before the 30 day deadline, it was closed with no change. I contacted XXXX, to see where the information come from. 

XXXX  gave me a tremendous run around, then ended up naming multiple companies as the source. I am filing this complaint on all of the services that XXXX stated where involved. I am hoping that if you where not involved, that you will at least provide a letter stating that you did not report the public record information to be true, and correct as XXXX  has stated. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, La XXXX XXXX XXXX The dispute timeline was filed on XX/XX/XXXX-XX/XX/XXXX XX/XX/2018. Once again I ask if you are not the involved party, please at least for the protection of myself, and your name a statement that you have not reported, not obtained a public record search. 

XXXX is using merged information, violations of the FCRA, and there breaking the law to try to push this off on me, and others. Please I am begging you to do the right thing, and help me fight XXXX. 

If you are the reporting co, please leave proper contact information, so I may call you, and get this taken care of. 

Thank you in advance, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am filing this complaint using information obtained from Experian credit reporting agency. 

On XX/XX/18 I filed a dispute on my Experian credit report. It was showing that I had 3 public record reports. A few days before the 30 day deadline, it was closed with no change. I contacted Experian, to see where the information come from. 

Experian gave me a tremendous run around, then ended up naming multiple companies as the source. I am filing this complaint on all of the services that Experian stated where involved. I am hoping that if you where not involved, that you will at least provide a letter stating that you did not report the public record information to be true, and correct as Experian has stated. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, La XXXX XXXX XXXX The dispute timeline was filed on XXXX 2018. Once again I ask if you are not the involved party, please at least for the protection of myself, and your name a statement that you have not reported, not obtained a public record search. 

Experian is using merged information, violations of the FCRA, and there breaking the law to try to push this off on me, and others. Please I am begging you to do the right thing, and help me fight Experian. 

If you are the reporting co, please leave proper contact information, so I may call you, and get this taken care of. 

Thank you in advance, 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 2018-11-08 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: Radius Global Solutions LLC
State: NC

Complaint narrative:
XXXX XXXXXXXX XXXX is reporting what appears to be a medical debt on my credit report which I have NO knowledge of. I am fully insured with medical insurance which pays 100 % of all of my medical needs. This listing gives a date opened of XX/XX/2018. Again, I am NOT aware of this debt as being mine and I have disputed it with XXXX  but just got the dispute results back saying it has been updated. The original creditor was XXXX XXXX. I do NOT recall having any medical service done that would generate a bill such as this. Otherwise, according to a new credit reporting law, a listing such as this one is NOT supposed to be added to a credit report until AFTER 180 days giving the insurance company time to pay this. XXXX will NOT remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Global Credit & Collection Corporation
State: LA

Complaint narrative:
I am filing this complaint using information obtained from XXXX credit reporting agency. 

On XX/XX/18 I filed a dispute on my XXXX credit report. It was showing that I had 3 public record reports. A few days before the 30 day deadline, it was closed with no change. I contacted XXXX, to see where the information come from. 

XXXX  gave me a tremendous run around, then ended up naming multiple companies as the source. I am filing this complaint on all of the services that XXXX stated where involved. I am hoping that if you where not involved, that you will at least provide a letter stating that you did not report the public record information to be true, and correct as XXXX  has stated. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, La XXXX XXXX XXXX The dispute timeline was filed on XX/XX/XXXX-XX/XX/XXXX XX/XX/2018. Once again I ask if you are not the involved party, please at least for the protection of myself, and your name a statement that you have not reported, not obtained a public record search. 

XXXX is using merged information, violations of the FCRA, and there breaking the law to try to push this off on me, and others. Please I am begging you to do the right thing, and help me fight XXXX. 

If you are the reporting co, please leave proper contact information, so I may call you, and get this taken care of. 

Thank you in advance, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 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:
I reported to Equifax, 0n XX/XX/XXXX, that my identity was stolen about 4 years ago and that the thief opened opened numerous credit cards in my name and sought medical attention at a hospital that was currently reported on my credit file. The medical company reported on my credit is named XXXX XXXX XXXX. Equifax refused to thoroughly investigate. I did not open these accounts, I did not authorize these accounts, and I do not have no knowledge of these accounts. This has also been reported to FTC Identity Theft. I explained to Equifax that the accounts do not belong to me and I submitted a dispute. Equifax did not provide a thorough investigation into the reported fraudulent activity, but instead, returned a " completed '' investigation in 2 days, stating that the information was verified. Not sure how Equifax report that my information was verified when the addresses used and reported on my credit report are incorrect and the name is misspelled and incorrect. Equifax could not have received proper and correct information on from any of those accounts I reported to them. My credit file was also used in a breach of Equifax 's negligence to protect my identity. Equifax also did not report to the other agencies that my identity had been stolen. The name that the thief used to open the accounts are incorrect and misspelled. They used names as XXXX XXXX, XXXX, and others, which is not my name. My name is XXXX XXXX. They also used addresses in Arizona where I have never lived. I was born and live in XXXX XXXX. The credits opened are XXXX XXXX with a balance of {$6700.00}, XXXX XXXX   XXXX XXXX with a balance of {$3100.00}, XXXX/XXXX XXXX that had a balance of {$2400.00} ; XXXX XXXX XXXX that had a credit limit of {$250.00} ; and a XXXX XXXX that had a credit limit of {$600.00}. All of these were opened between XX/XX/XXXX and XX/XX/XXXX when I was a XXXX XXXX. Also, there are hard inquiries listed from XXXX XXXX, XXXX, and XXXX XXXX  which I did not authorize and have no knowledge of. I would like for Equifax to remove the accounts from credit file, as they do not belong to me and I did not open these accounts. My identity was stolen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-08 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: GA

Complaint narrative:
Victim of inquiries issues with Transunion Inquiries were removed but added back to credit report Contacted Transunion to resolve issues and they did not help with the negative negative inquires 1. XXXX XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX   XX/XX/XXXX 7.XXXX XXXX  XX/XX/XXXX 8. XXXX   XX/XX/XXXX 9. XXXX/XXXX 10. XXXX XX/XX/XXXX 11.XXXX/XXXX   XX/XX/XXXX 12.XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX 14. XXXX XX/XX/XXXX 15. XXXX  XX/XX/XXXX 16. XXXX XX/XX/XXXX 17. XXXX XX/XX/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 2018-11-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX is a fraud account. I never opened an account with XXXX. Please remove and delete immediately from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
RE : REQUEST FOR REMOVAL OF INQUIRIES To Whom It May Concern : Section 609 [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], there should be no charge for this information.

Please remove the following inquiries from my report I have no knowledge of these companies. XXXX XXXX  TRANSUNION XXXX XXXX XXXX VIA XXXXTRANSUNION XXXX TRANSUNION CONSUMER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION CONSUMER XXXX TRANSUNION XXXX / XXXX XXXX XXXX TRANSUNION XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you have any questions or need additional information, please contact me at address noted below.

Thank you.

Sincerely, 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 explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
RE : REQUEST FOR REMOVAL OF INQUIRIES To Whom It May Concern : Section 609 [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], there should be no charge for this information. 

Please remove the following inquiries from my report I have no knowledge of these companies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If you have any questions or need additional information, please contact me at address noted below.

Thank you.

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
RE : REQUEST FOR REMOVAL OF INQUIRIES To Whom It May Concern : Section 609 [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], there should be no charge for this information. 

Please remove the following inquiries from my report I have no knowledge of these companies. 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you have any questions or need additional information, please contact me at address noted below.

Thank you.

Sincerely, 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 2018-11-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Michael Haynes & Associates, LLC
State: TN

Complaint narrative:
Recieved a phone call from XXXX XXXX who identified his self as an attorney for Michael Haynes and Associates LLC. XXXX XXXX stated that he is working with a company called XXXX XXXX XXXX to collect debt owed on a lawn mower. He advised he is in the process of filing court proceedings to repossess the mower and also to take me to court for a judgement of over XXXX. He told me I could pay him XXXX and keep the mower if I did so in 24 hours. I did my research by googling their name which says they are a law firm. However the location and phone number do not belong to their company. This business is NOT a law firm but falsely says so when you google their business. This is simply a debt collection agency that tricks people into thinking they are attorneys. I've asked them to stop calling but they refuse and keep calling from different phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FRANKLIN FIRST FINANCIAL, LTD
State: NY

Complaint narrative:
Hi. my name is XXXX XXXX.my adr.XXXX # XXXX.my pho.XXXX.my XXXX.ssn.XXXX.. i want buy house for michigan with morgace.i talk 2 month ago guy name employ. both guys friend ( 2 ) XXXX XXXX.id no.nmlsXXXX..his working with XXXX XXXX  XXXX.XXXX  XXXX XXXX XXXX..he talk to me he can help me.he take my all infor like bank, ssn, my id etc.then he say he work with too many comp. he give me pre appovel.from. XXXX XXXX XXXX.wasXX/XX/XXXX..i am going buy house with pre aprovel.also he talk too many times with my agent also sailer agent.he say evrythig ok. frek frist fni lone officer name. ( 1 ) XXXX XXXX. id no nmls XXXX .last 2week guys doing bank aprozel i pay money $ XXXX..this week was my sailer cont due this friday. 2  days ago i talk with XXXX.he say everytnng ok..yesterday he say XXXX XXXX XXXX.they going to bank now they no pic my phon.emil no answer.. closing down.why they doing like this like play with me..i lost my deopst money also bank aporzel money..ple.if you can go to aciton for both off guys ..XXXX  XXXX + XXXX XXXX ... thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc.
State: OK

Complaint narrative:
CMRE is fraudulantly reporting on my credit report two medical accounts that are not mine, they are the result of Identity Theft.

Company response to consumer: Closed with explanation