vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: WI

Complaint narrative:
I started out by getting a catalog in the mail anonymously from XXXX XXXX I then impulsively without going through my payee opened up a credit line is my own guardian which I have the ability to do racked up a bill pay you was upset it's all paid off now XXXX sent me the items I ordered then after I ordered them and they were sent to me to return them in good condition they claim they never got them back so they charged me finally wrote off the account to Jefferson capital system 's LLC XXXX XXXX will not negotiate or work with me or my payee they were very unprofessional and dare I say threatening and rude I will never go through them again the interest rate was really high if anybody 's victim they were the criminal and I was the victim because they sent me and reached out to me and targeted me with the credit line and the actual catalog. Also Jefferson capital systems LLC worked with my payee and I only got it all paid off letter of confirmation is coming your way to credit bureaus to listen derogatory Mark of the XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for XXXX  XXXX XXXX   XXXX  XXXX, XXXX XXXX ( Original Creditor : 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 explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for XXXX XXXX XXXX Original Creditor : 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 explanation
Consumer complaint received 2019-06-17 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: MO

Complaint narrative:
I did not authorize the following inquiries, nor have I applied for anything and I'm respectfully demanding that these unauthorized inquiries be removed properly and immediately. 

[ 1 ] XXXX XXXXXXXX  ( XX/XX/XXXX ) [ 2 ] XXXX XXXX ( XX/XX/XXXX ) [ 3 ] XXXX XXXX ( XX/XX/XXXX ) [ 4 ] XXXX XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: MO

Complaint narrative:
I did not authorize the following inquiries, nor have I applied for anything and I'm respectfully demanding that these unauthorized inquiries be removed properly and immediately. 

[ 1 ] XXXX XXXX ( XXXX ) [ 2 ] XXXX XXXX ( XXXX ) [ 3 ] XXXX XXXX ( XXXX ) [ 4 ] 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 explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KAHRS LAW OFFICES, PA
State: KS

Complaint narrative:
in XX/XX/2019 my mother phoned me told me she had received a letter from Kahr 's Law Firm in XXXX KS addressed to me. I do not and have not lived there. She mailed it to me. I received letter around XX/XX/2019. It was a debt collection notice regarding a payday loan I took out at XXXX 'XXXX XXXX XXXX XXXX in XXXX, KS. I phoned Kahr 's Law Firm on XX/XX/2019. I was prompted to leave a message. I left all required information request as " not to be put on the bottom of the my list '' as she said it. All required information includes my phone number, place of employment, name and last four numbers of my social security number and I would like to make payment arrangements. I wanted to settle my debt sooner rather than later so I phone XXXX XXXX XXXX XXXX XXXX in XXXX, Ks spoke with XXXX he agreed to settle on pay off amount of {$340.00}. My mom went to XXXX XXXX  XXXX XXXX  XXXX next morning XX/XX/2019 and Paid in full. Debt is paid. I have receipt. I had not heard from Kahr 's Law Firm ever actually so I thought the matter had been resolved. Then, on XX/XX/2019 my mom phoned me telling me a sheriff visited her house wanting to serve me a subpeona to appear in court for said debt still owed. Sheriff did not serve papers as I was not there again as I do not and have not ever lived there actually XXXX XXXX XXXX XXXX   XXXX had a complete different address on file. I phoned Kahr 's Law Firm spoke with XXXX she requested I fax receipt to her as I did the next day. I phoned Kahr 's Law Firm to comfirm their receival of receipt. No one answered. I left message voicemail to please call me. I phoned XXXX at XXXX XXXX XXXX XXXX  XXXX in XXXX as that is where they handle the collection matters. XXXX told me was paid off and she would phone Kahr 's Law Firm. I spoke again with XXXX shortly after that. She told me she spoke with XXXX at Kahr 's Law Firm told her debt was settled and if I owe anything it would be between Kahr 's Law Firm and me. I phoned Kahr 's Law Firm after that XXXX answered I told her I my name and that I just spoke with XXXX at XXXX XXXX  XXXX   XXXX  XXXX, she asked me to hold and either she hung up on me or we got disconnected this happened XX/XX/2019. I phoned back she did not answer nor did she ever call me back. I phoned XXXX County District Court in XXXX on XX/XX/2019 spoke with XXXX she told me my court date is XX/XX/2019 and that the papers from Kahr 's Law Firm regarding debt they claim I still owe with XXXXXXXX XXXX XXXX XXXX   XXXX  was filed XX/XX/2019 and again payment to XXXX XXXX XXXX XXXX XXXX was made in full on XX/XX/2019. Today is XX/XX/2019 and I have not heard from Kahr 's Law Firm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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:
The accounts do not reflect their accurate status..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: FL

Complaint narrative:
The accounts do not reflect their accurate status..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. 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 explanation
Consumer complaint received 2019-06-17 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:
The accounts do not reflect their accurate status..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. 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 explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Thrift Investment Corp.
State: NJ

Complaint narrative:
Two years ago I wrote a letter into the company asking for a good will to remove an account a car loan that was previously paid off. The company has not replied to my letter and this is having an adverse impact on my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for XXXX ( Original Creditor : 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 explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for XXXX ( Original Creditor : 11 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 2019-06-17 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:
XXXX & XXXX XXXX XXXX Experian say that the creditor has verified to your bureau that the current status is correct. However this is not the case. Simply providing me with a computer generated document is no enough proof that I was late. I would like you to send me a copy of my payments with this creditor asap to verify what you say is indeed correct

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 2019-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have tried to contact this collection agency, CHASE CARDMEMBER SERVICES asking them several times to send me vertifiable Proof ( Original Consumer Contract with my signature on it ) stating this debt of {$2100.00} is mine. I sent ( 4 ) different  letters asking for the information to be sent on XX/XX/2019, XXXX XXXX, XX/XX/2019 and XX/XX/2019. They have failed to positively verify this account which has hurt my ability to obtain credit. CHASE CARDMEMBER SERVICES continuously sends bills and collection letters in the mail that DON'T belong to me. Under the FCRA, unvertified accounts must be deleted if the company is unable to provide me with a copy of vertifiable proof and this company is refusing to do so. Please assist in having this account removed from my XXXX, XXXX and XXXX Credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17 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: NV

Complaint narrative:
I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. This is a total misunderstanding. And how can an account be a charge off for months? I'm trying to get a house, and I couldnt believe my eyes when I saw it! You folks need to delete the accounts. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it  this way -- I need to get the house! The above accounts should be reported as positive standing.. XXXX XXXX XXXX  XXXX   XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: NV

Complaint narrative:
I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. This is a total misunderstanding. And how can an account be a charge off for months? I'm trying to get a house, and I couldnt believe my eyes when I saw it! You folks need to delete the accounts. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing.. 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 explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have had multiple fraudulent credit inquiries show up on my credit report as well as fraudulent accounts opened. I reported to the credit bureaus and initially a freeze was supposedly placed by all 3 bureaus. Then a fraud alert was placed by all 3 bureaus. However, each time I pull my credit report, more inquiries are flowing in and in excess. Any creditor is supposed to contact me personally if my credit is pulled and I have yet to receive a phone call from any of them. One credit report has 22 inquiries. One has a note stating to contact me but yet there are 9 inquiries in the last 3 months. My entire wallet was stolen and my social security card as well as my drivers license, checkbooks, credit cards, etc were all taken from me at gunpoint. That was 4 years ago and I have had issues since that incident.

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 2019-06-17 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: HI

Complaint narrative:
I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. I have never been late on this account. The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! This is a total misunderstanding. And how can an account be a charge off for months? I'm trying to get a house, and I couldnt believe my eyes when I saw it! You folks need to delete the accounts. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice.  Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing.. XXXX  XXXX   XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX/XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: HI

Complaint narrative:
I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. I have never been late on this account. The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! This is a total misunderstanding. And how can an account be a charge off for months? I'm trying to get a house, and I couldnt believe my eyes when I saw it! You folks need to delete the accounts. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing.. XXXX XXXX XXXX, XXXX XXXX XXXX, 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 explanation
Consumer complaint received 2019-06-17 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: HI

Complaint narrative:
I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. I have never been late on this account. The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! This is a total misunderstanding. And how can an account be a charge off for months? I'm trying to get a house, and I couldnt believe my eyes when I saw it! You folks need to delete the accounts. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing.. XXXX XXXX XXXX, XXXX XXXX XXXX, 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 explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have had multiple fraudulent credit inquiries show up on my credit report as well as fraudulent accounts opened. I reported to the credit bureaus and initially a freeze was supposedly placed by all 3 bureaus. Then a fraud alert was placed by all 3 bureaus. However, each time I pull my credit report, more inquiries are flowing in and in excess. Any creditor is supposed to contact me personally if my credit is pulled and I have yet to receive a phone call from any of them. One credit report has 22 inquiries. One has a note stating to contact me but yet there are 9 inquiries in the last 3 months. My entire wallet was stolen and my social security card as well as my drivers license, checkbooks, credit cards, etc were all taken from me at gunpoint. That was 4 years ago and I have had issues since that incident.

Company response to consumer: Closed with explanation