vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The investigation has not been completed. It has been well over 30 days and I still have not received a response.

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 2020-03-31 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: CA

Complaint narrative:
Experian is reporting late payments for 2017 on my Iowa Student Loan despite the loan being subject to a forbearance at that time and the servicer who handled the account going out of business. I filed a dispute by mail because Experian would not allow me to submit one online after having already disputed it previously. Nevertheless, Experian maintained the inaccurate 2017 payment information. Specifically, the account was serviced by a now defunct servicer that had granted me an income contingent repayment schedule. The annual renewal came due after the servicer concluded all business operations. I was finally able to locate the new servicer by contacting the US Department of Education. When I located them I applied for a new contingent repayment plan contemporaneously with a forbearance for the months the account was in limbo, as advised. Although approved, late payment history was reported to my credit history anyway. This is an outrage.

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 2020-03-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCE CORPORATION
State: IL

Complaint narrative:
I took out this loan in 2017 and been paying early every month and I still nearly owe what I borrowed! 
Look at amount borrowed and what has been paid. 
I didnt even take out the whole amount I was approved for, do you show that? Or are you charging me as if I had? Because for what I borrowed this would have been pain 3xs over!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: PA

Complaint narrative:
The investigation has not been completed. It has been well over 30 days and I still have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The investigation has not been completed. It has been well over 30 days and I still have not received a response.

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 2020-03-31 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: CA

Complaint narrative:
An old XXXX XXXX account 1 ) appears on my credit report despite bein well past the 7 year reporting window since it was charged off, 2 ) has been updated to report a balance due despite having been charged off AND being many years beyond the 4 year statute of limitations since the charge off, and 3 ) has been repeatedly unlawfully re-aged. My most recent dispute was concluded after the investigation with Experian re-aging the account yet again. Indeed, I received an alert from Experian reporting that I have a recent late payment and balance due of {$930.00}. More details : I disputed these erroneous entries but Experian maintained them so I again disputed, having to send everything by postal mail because Experian was unwilling to allow me to dispute online. Nevertheless, the latest dispute investigation concluded with Experian adding yet another re-aging, the very thing I had complained about. I have attached the actual Experian documentation. A cursory review of the account history evidences that the account has been re-aged, including by omitting data and then reporting charge off to display again. For example, examine XXXX and XXXX. Moreover, as mentioned at the outset, this account is beyond the 7 year reporting period because

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 2020-03-31 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: NV

Complaint narrative:
My identity has been compromised and reported as such. And now I'm notifying the 3 major credit reporting agencies to either provide me with the Method of Verification in it's physical documentation as these accounts are being investigated, or block and remove the following accounts immediately. 

1. XXXX XXXX XXXX {$300.00} 2. XXXX XXXX {$380.00} 3. XXXX XXXX {$300.00} 4. XXXX XXXX {$700.00} 5. XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX  8. XXXX XXXX  9. 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 2020-03-31 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: NV

Complaint narrative:
My identity has been compromised and reported as such. And now I'm notifying the 3 major credit reporting agencies to either provide me with the Method of Verification in it's physical documentation as these accounts are being investigated, or block and remove the following accounts immediately. 

1. XXXX XXXX XXXX {$300.00} 2. XXXX XXXX {$380.00} 3. XXXX XXXX {$300.00} 4. XXXX XXXX {$700.00} 5. XXXX XXXX 6. XXXX  XXXX XXXX 7. XXXX XXXX 8. XXXX  XXXX  9. XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: NV

Complaint narrative:
My identity has been compromised and reported as such. And now I'm notifying the 3 major credit reporting agencies to either provide me with the Method of Verification in it's physical documentation as these accounts are being investigated, or block and remove the following accounts immediately. 

1. XXXX XXXX XXXX {$300.00} 2. XXXX XXXX {$380.00} 3. XXXX XXXX {$300.00} 4. XXXX XXXX {$700.00} 5. XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX  8. XXXX  XXXX  9. 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 2020-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31 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: CA

Complaint narrative:
EXPERIAN is maintaining false and incomplete information regarding a XXXX XXXX XXXX XXXX account on my credit profile despite my disputing the information and the errors being readily identifiable on the face of the report. This account was subject to the XXXX XXXX class action and as part of the settlement terms the account was forgiven, causing a 1099 to be issues. Updated credit reporting to remove negative entries is also required under the terms of the settlement. As a result of my most recent dispute EXPERIAN corrected the information and updated my report to reflect that the account is paid but left numerous other errors. They include placing a dash mark where the balance should be XXXX ( despite the status showing paid ), stating the highest balance as XXXX instead of the correct sum of {$25000.00} ( see original balance ), reporting a balance history of {$11000.00} from XX/XX/XXXX through XX/XX/XXXX, despite each such entry also stating payment was made XX/XX/XXXX and the XX/XX/XXXX month showing NO DATA, reporting CLS in XX/XX/XXXX and negative history in XXXX, XXXX and XXXX - inconsistent with the terms of the settlement.

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 2020-03-31 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: IL

Complaint narrative:
I disputed the referenced account ( XXXX XXXX , XXXX | Acct # XXXX   ) on XX/XX/XXXX with Experian. Experian credit report of XX/XX/XXXX showed this account item was deleted from my credit file. A subsequent credit report of XX/XX/XXXX ( Report # XXXX ) and credit report of XX/XX/XXXX ( Report # XXXX ) continued to show this account item deleted from my Experian credit file. Now this account item has been reinserted on my Experian credit report.

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 2020-03-31 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: LA

Complaint narrative:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within the Transunion report . This  denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :

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 2020-03-31 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: IL

Complaint narrative:
Received a credit monitoring alert stating that a charged-off account was placed on my Experian credit report ( XXXX XXXX , XXXX | Account # XXXX ) as of XX/XX/2020. This account was previously re-investigated by Experian and deleted from my Experian credit report as reflected on my XX/XX/2020 credit report ( Report # XXXX ). Subsequent credit reports of XX/XX/2020 ( Report # XXXX ) and XX/XX/2020 ( Report # XXXX ) continued to show this account item deleted from my credit file ( see attached credit reports ). Now this item has been reinserted on my credit report in violation of the FCRA.

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 2020-03-31 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: TX

Complaint narrative:
XXXX  XXXX and Firstmark Services can not produce original documents of final disclosure for private student loan from XX/XX/XXXX. The charge of amount is incorrect, the percentages are fraudulent. When I asked for final disclosure papers all they gave me was transaction history. The dates are also wrong. I graduated in XX/XX/XXXX. They have been reporting invalid dates. When I go to open up the final disclosure from my email they have blocked this document. I would like for this document produced. I have asked many times before over the years and they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: MO

Complaint narrative:
My credit report is reporting inaccurate information. XXXX  and Equifax are reporting a balance of $ XXXX.However, correspondence was sent to me from the debt collection agency XXXX XXXX, XXXX. that has a balance of {$2600.00}. XXXX  is reporting a Date Opened of XXXX and Equifax is reporting a Date Opened of XXXX. XXXX  is reporting late payments for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. However, Equifax is reporting late payments of XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. XXXX  and Equifax are reporting a balance at the same time reporting that the balance is Paid and Closed. I've sent in dispute letters due to the number of violations being reported. They still refuse to delete the account. I was never sent any documentation prior to the repossession such as Notice of Default and Right to Cure, Notice to Sale Property or an itemized deficiency showing balance.I want this account deleted for FDCPA and FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
Citizens one and XXXX XXXX can not produce original documents of final disclosure for private student loan from XX/XX/XXXX. The charge of amount is incorrect, the percentages are fraudulent. When I asked for final disclosure papers all they gave me was transaction history. The dates are also wrong. I graduated in XX/XX/XXXX. They have been reporting invalid dates. When I go to open up the final disclosure from my email they have blocked this document. I would like for this document produced. I have asked many times before over the years and they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: Credit Karma, LLC
State: IA

Complaint narrative:
On XX/XX/2020 President Trump signed the coronavirus stimulas bill, while I don't know exactly what the wording in the bill states, however there is something in it that has to do with credit scores being negatively affected due to the pandemic and how it should not happen during this crisis. I've been hugely affected so I got a credit card with a small limit to help for the time being. My new credit report came out on XX/XX/2020 and my credit scored dropped 40 points. I can't understand why credit reporting agencies feel like they have the power of God over people and how they report our credit to lenders. I've been fighting tooth and nail for over a year to bring my credit scores up but I can't seem to make any headway even though for the past 12 months I've never missed a payment on anything let alone be late, however I can not get my score past XXXX and a drop of 40 points for getting a new card during a crisis should be a criminal offense.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: Exeter Finance, LLC.
State: MO

Complaint narrative:
My credit report is reporting inaccurate information. XXXX  and XXXX  are reporting a balance of $ XXXX.However, correspondence was sent to me from the debt collection agency XXXX XXXX, XXXX. that has a balance of {$2600.00}. XXXX  is reporting a Date Opened of XXXX and XXXX  is reporting a Date Opened of XXXX. XXXX  is reporting late payments for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. However, XXXX  is reporting late payments of XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. XXXX  and XXXX  are reporting a balance at the same time reporting that the balance is Paid and Closed. I've sent in dispute letters due to the number of violations being reported. They still refuse to delete the account. I was never sent any documentation prior to the repossession such as Notice of Default and Right to Cure, Notice to Sale Property or an itemized deficiency showing balance.I want this account deleted for FDCPA and FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: MO

Complaint narrative:
My credit report is reporting inaccurate information. Experian and XXXX  are reporting a balance of $ XXXX.However, correspondence was sent to me from the debt collection agency XXXX XXXX, XXXX. that has a balance of {$2600.00}. Experian is reporting a Date Opened of XXXX and XXXX  is reporting a Date Opened of XXXX. Experian is reporting late payments for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. However, XXXX  is reporting late payments of XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Experian and XXXX  are reporting a balance at the same time reporting that the balance is Paid and Closed. I've sent in dispute letters due to the number of violations being reported. They still refuse to delete the account. I was never sent any documentation prior to the repossession such as Notice of Default and Right to Cure, Notice to Sale Property or an itemized deficiency showing balance.I want this account deleted for FDCPA and FCRA violations.

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 2020-03-31 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: CA

Complaint narrative:
I have been having problems with Experian credit reporting. 
I have try to correct items and I am not given the opportunity to fix them On the web site I try to open a dispute and the system keeps telling me That is not available. I also try getting a copy of my report and got nothing But in the mintime they leek making changes to my report and my score I have also try calling but there in no one to talk to and the recording Just goes round and round, this has been going on for little more than a Month

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