vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-22 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: MS

Complaint narrative:
The following accounts ARE NOT MINE..I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.XXXX XXXX   XXXX ( ORIG CREDITOR : 06 XXXX ), XXXXS ( ORIG CREDITOR : 11 XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : 11 XXXX  ), XXXX XXXX XXXX ( ORIG CREDITOR : 07 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 2019-06-22 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: MS

Complaint narrative:
XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ) IS NOT MINE..I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account

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 2019-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I was approved for a total XXXX discharge on all of my student loans with the department of education/XXXX and all of my accounts are showing on my credit reports as balance {$0.00}. However, all of the loans are also showing account transferred or no information given. The loans in this state is showing as negatively on my reports because of being late and I was never late as I was issued the total XXXX discharge on XX/XX/2016. Before I was granted this discharge I was on a deferment with a payment of {$0.00} based on my XXXX income. I called every single credit bureau to ask them to remove these accounts because they are showing negatively and they are not valid and they have all been paid/discharged. I was told that I have to get the department of education XXXX to contact the credit bureau 's with the information that should be removed and I called the department of education and I was told that they submitted the updated information and it's up to the credit bureaus. I was advised by a representative of transunion to submit a claim to you because I can't dispute them anymore. Please help me to get the credit bureaus to remove these negative accounts from my credit reports.

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 2019-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I was approved for a total XXXX discharge on all of my student loans with the department of educationXXXX and all of my accounts are showing on my credit reports as balance {$0.00}. However, all of the loans are also showing account transferred or no information given. The loans in this state is showing as negatively on my reports because of being late and I was never late as I was issued the total XXXX discharge on XX/XX/2016. Before I was granted this discharge I was on a deferment with a payment of {$0.00} based on my XXXX income. I called every single credit bureau to ask them to remove these accounts because they are showing negatively and they are not valid and they have all been paid/discharged. I was told that I have to get the department of education XXXX to contact the credit bureau 's with the information that should be removed and I called the department of education and I was told that they submitted the updated information and it's up to the credit bureaus. I was advised by a representative of XXXX  to submit a claim to you because I can't dispute them anymore. Please help me to get the credit bureaus to remove these negative accounts from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 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: MA

Complaint narrative:
I was approved for a XXXX XXXX discharge on all of my student loans with the department of education/XXXX and all of my accounts are showing on my credit reports as balance {$0.00}. However, all of the loans are also showing account transferred or no information given. The loans in this state is showing as negatively on my reports because of being late and I was never late as I was issued the XXXX XXXX discharge on XX/XX/2016. Before I was granted this discharge I was on a deferment with a payment of {$0.00} based on my XXXX income. I called every single credit bureau to ask them to remove these accounts because they are showing negatively and they are not valid and they have all been paid/discharged. I was told that I have to get the department of education XXXX to contact the credit bureau 's with the information that should be removed and I called the department of education and I was told that they submitted the updated information and it's up to the credit bureaus. I was advised by a representative of XXXX to submit a claim to you because I can't dispute them anymore. Please help me to get the credit bureaus to remove these negative accounts from my credit reports.

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 2019-06-22 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: MS

Complaint narrative:
XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ) IS NOT MINE..I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 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 am so confused right now why Equifax report the accounts as transferred accounts but its current, all payment history were all OK. They wont even give me an explanation as to why they say its verified when its incorrect..CFPB, clear this all up and report them correctly. XXXX, XXXX XXXX, XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I call experian experian on XXXX thru XXXX to removed a fraud alert, they asked questions that doesn't apply to me, I told them the questions dose not apply to me they said I didn't pass, they just keep giving a hard time to get a fraud alert remove for an auto, I need it to be removed asap, I sent in a request to have it removed, they are still giving me a hard time for my personal information, I need to be removed permanently, they don't have the right information for asking questions that pertain to me.

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 2019-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hillcrest Davidson & Associates
State: DC

Complaint narrative:
I Attempted to verify with XXXX however I don't think a full investigation is properly being done

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
On or about XX/XX/2019 I noticed that this company put a collection on my credit report. Not have being contacted by them or the original creditor I called to see who they were. I was told to pay and I specifically asked if they would then remove the issue from my credit in which they say they would they even sent a letter saying it was paid. no where does it say for a settlement or anything else well they are now refusing to remove the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I have been trying to finalize my mortgage. To do that I needed to show I was out of school ( graduated XX/XX/XXXX ) and get my loans consolidated to enter REPAY. I already consolidated my loans with Navient between XX/XX/XXXX-XX/XX/XXXX so I only needed to apply with the " add loans '' form which I did the first week on XX/XX/XXXX. I was sent correspondence from Navient on XX/XX/XXXX stating there is no waiting period to do this and it would be completed by XX/XX/XXXX. Since I submitted my REPAY apllication at the same time with my current proof of income, this would be done XX/XX/XXXX. I have spoken to Navient several times and received different answers. Now being told I had to wait up to 75-90 days ( depending on who I speak to ) for a consolidation to be done. Again, they also already confirmed the consolidation was completed months ago. Then today I received a coorespondance stating they put me into consolidation forbearance. I did not request any forebarence and have only been trying to get my payments established. I am to close on the home XX/XX/XXXX but can not do that until Navient has completed the add loans. I have been given multiple excuses such as they couldn't find the form, I can't establish repay on the loans until the add loans is done, they need to do another consolidation, there is no wait time for it, then a week, then varying months. It seems they are not allowing me to pay. They also claimed they took me out of in school status but the Dept of Ed still shows me in status. I was told they updated that on XX/XX/XXXX but as of today its not. I'm concerned that im unable to establish any kind of payments and they would take it upon themselves to put me into forebarence without even consulting or asking me about it, especially knowing I've bedn trying to establish a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber
State: CA

Complaint narrative:
This complaint involves the collector, GRANT & WEBER and their ACCOUNTS, XXXX, AND XXXX appearing on both XXXX and XXXX  credit files of mine, POST-DISPUTE. 
The original creditors that sold these debts to GRANT & WEBER were medical service providers that treated me often under emergency conditions.Because at various points I became XXXX and XXXX XXXX, the providers had a duty to do their required part of EMERGENCY MEDI-CAL so that after sufficient recovery I would be able to meet the XXXX requirements of coverage by completing my part.This was not done by the care providing party whether we were in a hospital environment that had a staff social workers or in a clinic where staff that handle insurance could have made themselves available to handle this paperwork.This provider documentation is an everyday business problem of the original creditors ... .Instead the service provider ( s ) billed me personally without regard for my medical condition and even the ability to care for myself.The characters, Grant & Weber habitually verify or " certify '' in @ 24 hours have no regard for me or this system of complaint.ALL GRANT AND WEBER ACCOUNTS SHOULD BE DELETED IMMEDIATELY FROM MY CREDIT FILES.

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 2019-06-22 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I call experian experian on XX/XX/XXXX thru XX/XX/2019 to removed a fraud alert, they asked questions that doesn't apply to me, I told them the questions dose not apply to me they said I didn't pass, they just keep giving a hard time to get a fraud alert remove for an auto, I need it to be removed asap, I sent in a request to have it removed, they are still giving me a hard time for my personal information, I need to be removed permanently, they don't have the right information for asking questions that pertain to me.

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 2019-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
In XX/XX/2017 I switch cell phone companies. From XXXX XXXX XXXX to XXXX. I attempted to contact XXXX XXXX XXXX   several time within 14 days of my switching carriers to return the phones from my plan. I was not successful in receiving return labels or getting a call back/follow up from their customer service. The account was sent to collections, I paid the balance of my final bill to the first collection agency that was assigned. I also made the first agency aware my attempts to return the equipment and received no help. The agency was supposed to document the issue and get back to me with a resolution. That never happened, they have now sold the account to this new collection agency. The new collection agency has placed this derogatory mark on credit without attempting to resolve the equipment return issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have sent several letters to have the fraud alert on my credit report removed but every time I look at my credit report i still have a fraud alert on there and its making application for new credit difficult.

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 2019-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The following complaint is in regards to credit reports generated by XXXX and Equifax on XX/XX/2019. Upon reviewing my report, I discovered that the telephone number being reported, as well as the employment history, are inaccurate and the findings do not reflect my current status. In addition, the report does not accurately reflect my current credit line across all lines of credit ( credit cards ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I signed up XX/XX/19 for XXXX XXXX XXXX  42 day program. It was free but then the owner XXXX XXXX claims you need to pay a refundable deposit {$490.00} which will be returned as long as I keep food journal ( fitness pal was suggested ) ,1x week weigh ins , attend 3 times a week participation. I completed and XX/XX/19 we had a meeting after my workout and I declined. XX/XX/19 I verbally cancelled and XX/XX/19 was my 18th workout for completing 6week program. I confirmed with XXXX XXXX Process of refund and told me 3-5days and everything was fine. XX/XX/19 after speaking owner by text I got excuses I put in dispute with citibank. As of today the charge was put back on my account since owner now disputes the refund I'm due even though i sent proof to card company. They are restarting the process and told me ot will take another 45 days. Next month my minimum payment is the amount that was of reversal minus any payments i was making. Citibank claims Mastercard makes them remove temp credit that was given for dispute. Makes no sense. I had a charge that had been pending for 7 days also {$68.00}. They claim that it was approved a merchant hasn't taken money. This is causing me financial burden.

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 2019-06-22 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: OK

Complaint narrative:
I have sent several letters to have the fraud alert on my credit report removed but every time I look at my credit report i still have a fraud alert on there and its making application for new credit difficult.

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 2019-06-22 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: OK

Complaint narrative:
I have sent several letters to have the fraud alert on my credit report removed but every time I look at my credit report i still have a fraud alert on there and its making application for new credit difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I completed my XXXX degree  and began making payments to my student loan in either XX/XX/XXXX or XX/XX/XXXX. In  ~XX/XX/XXXX I called the student loan provider to inquire about eligibility for student loan forgiveness through working for a non-profit. I was told that after I make 120 qualifying payments I could apply. I then asked if I made payments for the next 120 days if I could qualify and the representative informed me that it has to be 120 billed payments. Fast forward to XX/XX/XXXXI called to inquire about lowering my student load payments under the revised payment plan. I was encouraged to consolidate my loans which changed my loan provider to XXXX. Now in XX/XX/XXXX ; 9 years after Ive been employed at a nonprofit, I apply for loan forgiveness and received a letter stating that I dont meet the number of payments needed since I consolidated my loans in XX/XX/XXXX. I consolidated my loans because the Navient loan provider suggested I do so. I was not informed that consolidating my loans will erase the 10 years of payments I made making me ineligible for the student loan forgiveness program.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 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: CA

Complaint narrative:
please see attached CFPB complaint filed today against the collection agent, XXXX XXXX XXXX that is wrongfully appearing on my EXPERIAN AND XXXX credit files.

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 2019-06-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings

Complaint narrative:
XX/XX/2019 {$500.00} Certified letters mailed to all three credit bureaus and debt collector stating they were reporting an incorrect account number and that is against the Fair Credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 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: CA

Complaint narrative:
please see attached CFPB complaint filed today against the collection agent, XXXX and XXXX that is wrongfully appearing on my XXXX  AND TRANSUNION credit files.

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