vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I JUST GOT POSTAL MAIL IN RESPONSE TO A PREVIOUS COMPLAINT WITH EQUIFAX. This is not a duplicate complaint!! They just sent me dispute results that DID NOT delete accounts that contained many violations! Equifax is refusing to delete the inaccurate accounts being disputed ; they contain a HOST OF VIOLATIONS. See my attachment, which contains my identifying info at the end. I supplied lots of supporting documentation as well jic. Example : Please tell me how an account was not deleted that is STILL being reported as OPEN and CLOSED at the SAME TIME. That's just one example! I demand these accounts be deleted!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I HAVE REPORTED DISPUTES ON THE ABOVE CREDITORS FOR REPORTING INACCURATE DEROGATORY MARKS, ACCOUNTS STATUS, AND VIOLATING MY CONSUMER RIGHTS. I HAVE FILED A COMPLAINT WITH XXXX   PREVIOUSLY ON XXXX XXXX/XXXX  XXXX AND I NEVER RECEIVED ANY UPDATES, REMOVALS, OR VERIFICATIONS TO SUPPORT THEIR REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX  XXXX/ XXXX XXXX CAPITAL ONE AUTO FINANCE XXXX XXXX I HAVE REPORTED DISPUTES ON THE ABOVE CREDITORS FOR REPORTING INACCURATE DEROGATORY MARKS, ACCOUNTS STATUS, AND VIOLATING MY CONSUMER RIGHTS. I HAVE FILED A COMPLAINT WITH XXXX   PREVIOUSLY ON XXXX XXXX/XXXX  XXXX AND I NEVER RECEIVED ANY UPDATES, REMOVALS, OR VERIFICATIONS TO SUPPORT THEIR REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 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: AES/PHEAA
State: FL

Complaint narrative:
XXXX  XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX I HAVE REPORTED DISPUTES ON THE ABOVE CREDITORS FOR REPORTING INACCURATE DEROGATORY MARKS, ACCOUNTS STATUS, AND VIOLATING MY CONSUMER RIGHTS. I HAVE FILED A COMPLAINT WITH XXXX   PREVIOUSLY ON XXXX XXXX/XXXX XXXX AND I NEVER RECEIVED ANY UPDATES, REMOVALS, OR VERIFICATIONS TO SUPPORT THEIR REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA
State: WI

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 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: AES/PHEAA
State: MS

Complaint narrative:
I have been disputing with XXXX XXXX  for over a year. Ive filed disputes with XXXX, XXXX, XXXX and XXXX XXXX. XXXX  deleted XXXX a inaccurate accounts all together but XXXX is still reporting late payments on my credit files with XXXX  and XXXX. They are reporting a 90 day late payment in XX/XX/2017 and reporting a 120 late payment in XX/XX/2017 but in XX/XX/2017, XXXX is reporting that the account was paid on time. How is it possible that in XX/XX/2017, the account was in good standing showing paid on time and suddenly ONE month later in XX/XX/2017, the account was reported 90 days late. Thats not accurate at all especially since my account was in forbearance. This error shows the negligence of XXXX, XXXX  and XXXX   XXXX. I sent requests for correction to XXXX and they denied it and I disputed with XXXX and XXXX and they both keep saying its correct. This error couldve been caught earlier on if a person did a thorough scan of the account but instead, Ive had to endure credit rejections for over a year due to these inaccurate late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Credit Karma, LLC
State: CA

Complaint narrative:
On my XXXX credit report I have an inaccurate account listed under XXXX # XXXX. I believe this account is recorded in-error due to XXXX XXXX XXXX XXXX policy and/or United States XXXX Regulation on Seperation and Discharge. You can not separate from XXXX XXXX military with an open credit/debt when such debt would be inappropriate and unmanageable by the servicemember or a government agency. You are required to have proof of receipt the account is PAID IN FULL or you will be extended in your time and service until the account is paid, per military regulations, this record makes me the ONE EXCEPTION to XXXX XXXX XXXX Policy and the XXXX Regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 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: MS

Complaint narrative:
I have been disputing with XXXX XXXX for over a year. Ive filed disputes with XXXX, XXXX, Transunion and XXXX XXXX. XXXX deleted XXXX a inaccurate accounts all together but XXXX is still reporting late payments on my credit files with Transunion and XXXX. They are reporting a 90 day late payment in XX/XX/2017 and reporting a 120 late payment in XX/XX/2017 but in XX/XX/2017, XXXX is reporting that the account was paid on time. How is it possible that in XX/XX/2017, the account was in good standing showing paid on time and suddenly ONE month later in XX/XX/2017, the account was reported 90 days late. Thats not accurate at all especially since my account was in forbearance. This error shows the negligence of XXXX, Transunion and XXXX XXXX. I sent requests for correction to XXXX and they denied it and I disputed with XXXX  and Transunion and they both keep saying its correct. This error couldve been caught earlier on if a person did a thorough scan of the account but instead, Ive had to endure credit rejections for over a year due to these inaccurate late payments.

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 2018-12-01 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: MS

Complaint narrative:
I have been disputing with XXXX XXXX for over a year. Ive filed disputes with Equifax, XXXX, XXXX and XXXX XXXX. XXXX deleted XXXX a inaccurate accounts all together but XXXX is still reporting late payments on my credit files with XXXX  and Equifax. They are reporting a 90 day late payment in XX/XX/2017 and reporting a 120 late payment in XX/XX/2017 but in XX/XX/2017, XXXX is reporting that the account was paid on time. How is it possible that in XX/XX/2017, the account was in good standing showing paid on time and suddenly ONE month later in XX/XX/2017, the account was reported 90 days late. Thats not accurate at all especially since my account was in forbearance. This error shows the negligence of Equifax, XXXX   and XXXX XXXX. I sent requests for correction to XXXX and they denied it and I disputed with Equifax and XXXX and they both keep saying its correct. This error couldve been caught earlier on if a person did a thorough scan of the account but instead, Ive had to endure credit rejections for over a year due to these inaccurate late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 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: Innovis
State: MS

Complaint narrative:
I have been disputing with XXXX XXXX for over a year. Ive filed disputes with XXXX, XXXX, XXXX and XXXX XXXX. XXXX deleted XXXX a inaccurate accounts all together but XXXX is still reporting late payments on my credit files with XXXX and XXXX. They are reporting a 90 day late payment in XX/XX/2017 and reporting a 120 late payment in XX/XX/2017 but in XX/XX/2017, XXXX is reporting that the account was paid on time. How is it possible that in XX/XX/2017, the account was in good standing showing paid on time and suddenly ONE month later in XX/XX/2017, the account was reported 90 days late. Thats not accurate at all especially since my account was in forbearance. This error shows the negligence of XXXX, XXXX   and XXXX XXXX. I sent requests for correction to XXXX and they denied it and I disputed with XXXX  and XXXX and they both keep saying its correct. This error couldve been caught earlier on if a person did a thorough scan of the account but instead, Ive had to endure credit rejections for over a year due to these inaccurate late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTIONS UNLIMITED OF TEXAS INC
State: TX

Complaint narrative:
On XX/XX/XXXX I checked my credit report because I was alerted that a collection had been placed on my XXXX credit report. The report stated that an alleged debt of {$82.00} was placed in collections on XX/XX/XXXX by XXXX XXXX. The alleged debt was reported ti my credit on XX/XX/XXXX. Prior to the debt being placed on my credit I was never informed about the collection in question nor were any efforts made to contact me to resolve said debt. Upon finding out about the alert on my credit I also reached out to the debt collector via email asking for them to provide me with verification that the debt in question was truly mine. Since I am a victim of identity theft I felt like this was my right under the Consumer Protection Act and Fair Trade Commission. 

809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

None of which have been provided or done by the Collection agency. Also upon doing more research. I found that, Not only was I not contacted by the creditor or the third party agency for the alleged debt but they are in direct violation of the Texas Finance Code 392.101 which prohibits a third-party debt collector or credit bureau from engaging in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filled a copy of the bond with the Secretary of State. Collections Unlimited directly violated this law.

Due to the negligence of this business my credibility, reputation and credit score has been scorned.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I had gone to this store before for tires just paid it off been a citi customer longer. Went to see why my brakes were grinding on XX/XX/XXXX was told one rotor got stuck but BOTH had to be replaced both sides. that is not necessarily true i found out after i signed the receipt. Signing the receipt may be legally important but it says i received goods not that i cant dispute the pricing or the accuracy of what i was told when i was there. anyway i was charged XXXX it should have cost about XXXX my research reveals AFTER i was there. Further both sides did not have to be replaced. I feel very uncomfortable now i wont return there and i feel the parts were marked up way too much. i want XXXX dollars back or thereabouts.i have rights. I asked over and over if this was the only way to go. at that price etc both sides and i could not find out just how much they overcharged me on parts til after i left. I did write them a letter with no response the store. -XXXX XXXX I am unable to use my card now until there is just resolution

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 2018-12-01 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: OK

Complaint narrative:
this is my fourth attempt to resolve this issue with Equifax and XXXX, The student loan that is being reported has inaccurate open dates, I am not disputing the account is not mine, The student loan belongs to me, But what I have been disputing is your report shows that it was opened in XX/XX/XXXX which is false, CRA have stated every time the account is mine and accurate, I have the promissory note that was signed and dated by me, as advised by attorney is try and have date validated again and cause I have tried a few times the FCRA requires the account to be delete, Due to the fact the account has been re-aged. the account was opened on XX/XX/XXXX, as advised the CRA is to investigate and review information provided by creditor reporting using the promissory note that has a date, The promissory note I have will be granted to the CRA in court under discovery if we have to go to court, Again since CRA has had plenty of time to correct and felled to. that this my last attempt before I have attorney file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 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: OK

Complaint narrative:
this is my fourth attempt to resolve this issue with XXXX  and Experian, The student loan that is being reported has inaccurate open dates, I am not disputing the account is not mine, The student loan belongs to me, But what I have been disputing is your report shows that it was opened in XX/XX/XXXX which is false, CRA have stated every time the account is mine and accurate, I have the promissory note that was signed and dated by me, as advised by attorney is try and have date validated again and cause I have tried a few times the FCRA requires the account to be delete, Due to the fact the account has been re-aged. the account was opened on XX/XX/XXXX, as advised the CRA is to investigate and review information provided by creditor reporting using the promissory note that has a date, The promissory note I have will be granted to the CRA in court under discovery if we have to go to court, Again since CRA has had plenty of time to correct and felled to. that this my last attempt before I have attorney file.

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 2018-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo Bank has regularly and routinely deducted more than {$8000.00} from XX/XX/2018 honoring unsigned, unauthorized, counterfeit checks sent electronically to be paid to my Aunt 's checking account. My XXXX-year-old Aunt allowed me power of attorney and was recently declared incompetent. After entering her account, I discovered the check fraud, multiple claims were started in late XX/XX/2018, a police report filed, and investigation initiated. Surprisingly, Wells Fargo only returned the last 30 days of fraud that occurred in XX/XX/2018 ( estimated {$2000.00} ) and is attempting to collect the rest from those where they sent the money. A hold was placed on the compromised account permitting her fixed income to continue pooling and a new account established where I could transfer the fixed income to pay caregivers after the hold was temporarily released, then returned in 10 minutes. Some stolen money has been collected but more than {$4000.00} is still uncollected wiping out my Aunt 's account. My Aunt recently died destitute but shockingly, the bank allowed more counterfeit checks to be paid! That money was repaid, never once was I ( or my Aunt ) notified of any suspicious activity. I was IN the bank transferring funds when they allowed the last fraud in that 10 minute window! Another unsigned counterfeit check paid! I am executor for my Aunt and need ALL the money paid out to be returned to pay mounting debt to unpaid faithful caregivers. The bank is unwilling to do this and need your help to force them to pay back what they paid out in a reckless and unauthorized manner. HELP! My Aunt died destitute because of they negligent security.

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 2018-12-01 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: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
Commonwealth Finance {$240.00} Opened XX/XX/2018 There is no contract, no valid claim ... account was settled with original creditor ( XXXX  XXXX XXXX XXXX XXXX XXXX ) ... grave errorsfalse claim and reportingI want this account removed immediately or litigation ... it is against the law to attempt to collect a debt twice Please validate this information 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 e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 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 response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 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: GA

Complaint narrative:
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation