vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-21 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:
1. when I reported fraud on my card in XX/XX/2019, XXXX  still charge late pay fee. 
2. XXXX admitted the fraud on my account and credited back {$4700.00} on XX/XX/2019, but they rejected to correct the statement to credit bureau to change my credit score. and it passed 4 month and credit report still shows old debts : {$10000.00} debts not {$6200.00} 3. {$6200.00} is the transaction more than 90 days from the fraud 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 2020-04-21 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent a certified letter originally on XX/XX/2020 challenging the accuracy of a Chapter XXXX reporting on my credit report to Experian. Experian came back as verified. I sent another letter on XX/XX/2020 asking for the Method of Verification. I did not receive the Method of Verification it has been over 15 days and I still have not received the Method of Verification. They reinvestigated and " verified '' the reporting on XX/XX/XXXX but still no Method of Verification. Per my rights, under FCRA 611 ( a ) ( 6 ) B ( iii ) I have the right to that information and it has not been provided. Therefore because they are in violation of my rights I am requesting a deletion.

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 2020-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Disputed 2 claims with Bank of America for the same Company. Attended a seminar, in XX/XX/2020 and purchased programs. The Company split the charges for 2 products. {$1700.00} and {$2500.00}. As with many products offerings like this, there was a 3 Day Right to Cancel. I exercised my right to cancel by faxing the cancellation in to the Company XXXX XXXX. After cancellation, the company keep trying to get me to upgrade but I said I simply want to cancel. I reached of to Bank of America to to file a claim to dispute charges and reverse transaction by sending in the Right to Cancel form. Bank of America honored one charge {$2500.00} but not the other charge $ XXXX.I have sent certified letters trying to resolve this issue. As you can imagine my account has a huge negative deficit.

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 2020-04-21 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: TekCollect Inc.
State: IL

Complaint narrative:
XX/XX/2020 XXXX  XXXX. XXXX  XXXX XXXX, GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

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. 

I demand the following accounts be verified or removed immediately. 

XXXX  XXXX COLLEGE/TEK-COLLECT XXXX Provide Physical Verification UNVERIFIED ACCOUNT INCORRECT BALANCE * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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:
Experian XXXX. XXXX  XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

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. 

I demand the following accounts be verified or removed immediately. 

XXXX  XXXX COLLEGE/XXXX-XXXX  XXXX Provide Physical Verification UNVERIFIED ACCOUNT INCORRECT BALANCE * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You

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 2020-04-21 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: TekCollect Inc.
State: IL

Complaint narrative:
XXXX  XXXX. XXXX  XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

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. 

I demand the following accounts be verified or removed immediately. 

XXXX  XXXX COLLEGE/TEK-COLLECT XXXX Provide Physical Verification UNVERIFIED ACCOUNT INCORRECT BALANCE * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: TekCollect Inc.
State: IL

Complaint narrative:
XXXX  XXXX. XXXX  XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

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. 

I demand the following accounts be verified or removed immediately. 

ILLINOIS XXXX COLLEGE/TEK-COLLECT XXXX Provide Physical Verification UNVERIFIED ACCOUNT INCORRECT BALANCE * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: TX

Complaint narrative:
I have for a year been trying to have Transunion stop reporting inaccurate information on my credit file. I have showed them my tax transcripts, proof that an account ( XXXX XXXX Acct # XXXX ) could not possibly be mine. At the time of the opening ( 2016 ) of this account I did not have a job or proof of income nor did I file for taxes, so no bank would ever have given me any type of loan. Despite of showing proof that this account is inaccurate, I have requested them to show proof that they have the right to report this information 6 times which they have not provided at all. This is a continuing violation of my rights as a consumer and against the Fair Credit Reporting Act regulation. XXXX  has stopped reporting this inaccurate account. I have showed Transunion proof of this on my last dispute and still concluded that they will not be deleting this 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 explanation
Consumer complaint received 2020-04-21 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: KY

Complaint narrative:
Well first off I never knew anything about this account until I received a bill in the mail. It has made my credit score drop and I never even knew anything about it. And how is {$950.00} due on an account that had a {$750.00} limit? Someone has committed fraud against me. After I received the bill on account I knew nothing about some investigating had to be done. My research shows the supposed account was opened on XX/XX/2019. The reported balance was {$0.00} on XX/XX/2019. If an account is closed how is a payment made on it? Furthermore, why is a payment made when it is already paid off and has a {$0.00} balance due? This account was not mine but it has very negatively effected my life. Who can pay me back for the manhours investigating, punitive damages, defamation, emotional stress etc.? Something needs to be done and those liable should be responsible. Please see the attached images I have enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Company - NAVIENT Last payment made {$1200.00} ( Settled amount ) - XX/XX/2018 Navient is still reporting a high balance amount - {$5000.00} NAVIENT Continues to report my account as delinquent even after the loan has been settled to {$1200.00} and paid in full 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: IL

Complaint narrative:
Trans Union LLC XXXX XXXX XXXX XXXX. Box # 2000 XXXX, XXXX XXXX According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original XXXX XXXX with my Signature on it XXXX 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. I demand the following accounts be verified or removed immediately. XXXX XXXX  XXXX XXXX Provide Physical Verification UNVERIFIED ACCOUNT * Please remove all non-account holding inquiries over 30 days old. * Please add a Promotional Suppression to my credit file. Thank You

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 2020-04-21 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: IL

Complaint narrative:
The credit bureau Experian, Equifax XXXX & Transunion has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section XXXX & XXXX. Experian, Equifax, & Transunion has violated my consumer rights by not adhering to the law, XXXX XXXX XXXX XXXX ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an XXXX having authority to administer such oath. Experian, Equifax, XXXX Transunion failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section XXXX ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than XXXX business days after the date of the receipt by such agency of- ( XXXX XXXX appropriate proof of the identity of the consumer ; XXXX XXXX XXXX a copy of an identity thief report ; furthermore, under the FDCPA section XXXX states if the consumer notifies the debt collector in writing within the 30 day period described in subsection XXXX a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. 



I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile.

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 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted documents to correct the address that are on my credit report. I submitted documents that state my current address as ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX. 
I have included a copy of the results of the dispute with no address change at all. I have been residing in an apartment ( # XXXX XXXX complex for over 5 years now. 
Experian report is showing the following addresses : XXXX XXXX XXXX XXXX XXXX CA XXXX Address ID XXXX Similar address to my current address missing the apartment which makes it incorrect. 

XXXX SOUTHWEST EW XXXX XXXX XXXX XXXX XXXX CA XXXX Address ID XXXX Similar address to my current address except the EW is not accurate so again incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Address ID XXXX This isn't even my address ever and the claim its tied to an account that is closed because I didn't authorize the account to be open. 

I included a copy of my bank account with my address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Also as a result of their investigation they claim the following name belongs to me : XXXX XXXX I also provided supporting documents which show my name as XXXX XXXX XXXX making the name XXXX XXXX incorrect.

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 2020-04-21 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: Kriya Capital, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original XXXX XXXX with my Signature on it XXXX 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. I demand the following accounts be verified or removed immediately. CREDENCE RESOURCE XXXX XXXX Provide Physical Verification UNVERIFIED ACCOUNT * Please remove all non-account holding inquiries over 30 days old. * Please add a Promotional Suppression to my credit file. Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-21 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: KY

Complaint narrative:
Well first off I never knew anything about this account until I received a bill in the mail. It has made my XXXX XXXX drop and I never even knew anything about it. And how is {$950.00} due on an account that had a {$750.00} limit? Someone has committed fraud against me. After I received the bill on account I knew nothing about some investigating had to be done. My research shows the supposed account was opened on XX/XX/2019. The reported balance was {$0.00} on XX/XX/2019. If an account is closed how is a payment made on it? Furthermore, why is a payment made when it is already paid off and has a {$0.00} balance due? This account was not mine but it has very negatively effected my life. Who can pay me back for the manhours investigating, punitive damages, defamation, emotional stress etc.? Something needs to be done and those liable should be responsible. Please see the attached images I have enclosed.

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 2020-04-21 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 explanation
Consumer complaint received 2020-04-21 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: VA

Complaint narrative:
Since XX/XX/XXXX I have disputed this with Trans Union numerous times, I have a good standing credit card with XXXX. XXXX I had an issue with the amount that was reported and I asked trans union to correct it Im guessing the representative misunderstood me and they deleted the account altogether. This is a good standing account and is helping my credit drastically on all my other reports Equifax has it all correct. XXXX can verify that this card is good standing and still active but every time I call Trans Union they are refusing to put this account back on my report by them not doing this it is hurting my credit bad. Please help me fix this Ive been working on this for over a year with no progress XXXX reached out to Trans Union and they still have not fixed it. When Trans Union deleted this account it dropped my credit XXXX points I would love for these to be restored as this error was not my fault. Please help me Ive tried everything. I have attached XXXX attachments to this message XXXX attachments are from Trans Union showing where the account Was deleted and caused my credit to drop XXXX points the other XXXX attachments are from Equifax and show the credit card still being reported and in good standing.

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