vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have been trying for over a year to get someone to help me regarding removing this inaccurate information from my credit reports. I have a Bankruptcy on my XXXX, XXXX and Transunion credit reports that was dismissed and never discharged because I never went to court for the judgement because I found a job before I had to file bankruptcy so I withdrew my request for the court to begin an active bankruptcy. I have written letters to XXXX Bankruptcy Court numerous times only for them to not answer my certified mail even after I paid for them an envelope to send me the information to be corrected. All 3 credit bureaus claim to have verified the information with XXXX Bankruotcy Court but no one has sent me proof or contract or court documents of an active bankruptcy because one simply does not exist. All copies of the letters that I sent and dates are attached for proof. Please I am begging to remove this inaccuracy from my credit report. I do not wish to file court proceedings against XXXX, XXXX, and Transunion for reporting inaccurate information that is a violation of my rights as a consumer. Please remove Bankruptcy from my credit report within 15 days according to 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 2019-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have been trying for over a year to get someone to help me regarding removing this inaccurate information from my credit reports. I have a Bankruptcy on my Equifax, XXXX and XXXX credit reports that was dismissed and never discharged because I never went to court for the judgement because I found a job before I had to file bankruptcy so I withdrew my request for the court to begin an active bankruptcy. I have written letters to XXXX Bankruptcy Court numerous times only for them to not answer my certified mail even after I paid for them an envelope to send me the information to be corrected. All 3 credit bureaus claim to have verified the information with XXXX Bankruotcy Court but no one has sent me proof or contract or court documents of an active bankruptcy because one simply does not exist. All copies of the letters that I sent and dates are attached for proof. Please I am begging to remove this inaccuracy from my credit report. I do not wish to file court proceedings against Equifax, XXXX, and XXXX  for reporting inaccurate information that is a violation of my rights as a consumer. Please remove Bankruptcy from my credit report within 15 days according to FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently submitted a request for investigation of several accounts, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. The other bureaus have already verified all of these fraudulent accounts and has removed that account. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If you had investigated properly, rather than use your XXXX system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX XXXX TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable. 

Additionally, the following accounts do not belong to me and have been removed by the other credit bureaus and deemed fraudulent : 1.XXXX # XXXX 2. XXXX XXXX # XXXX 3. XXXX XXXX XXXX # XXXX 4. XXXX XXXX XXXX. # XXXX 5. XXXX XXXX # XXXX If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. XXXX and Transunion refuse to allow me to dispute my accounts online anymore. 

I look forward to an expedient resolution of this matter, XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently submitted a request for investigation of several accounts, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. The other bureaus have already verified all of these fraudulent accounts and has removed that account. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If you had investigated properly, rather than use your XXXX system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX  system that does not even contain my reasons for the dispute is not reasonable. 

Additionally, the following accounts do not belong to me and have been removed by the other credit bureaus and deemed fraudulent : 1.XXXX  # XXXX 2. XXXX XXXX # XXXX 3. XXXX XXXX XXXX # XXXX 4. XXXX XXXX XXXX # XXXX 5. XXXX XXXX # XXXX If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. Equifax and XXXX refuse to allow me to dispute my accounts online anymore. 

I look forward to an expedient resolution of this matter, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 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: ENCORE CAPITAL GROUP INC.
State: IA

Complaint narrative:
Amount adjusted ; decreased by {$120.00} by creditor, and then increased AFTER prior adjustment already made

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 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: GA

Complaint narrative:
An account in my credit is showing late, this account has never been late, this inacurate reporting has affected my ability to get funding and has made me pay higher interes. 
Please remove this late in my 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 2019-03-10 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: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
Amount adjusted ; decreased by {$120.00} by creditor, and then increased AFTER prior adjustment already made

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 2019-03-10 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: STATE FARM BANK, FSB
State: IA

Complaint narrative:
Amount adjusted ; decreased by {$120.00} by creditor, and then increased AFTER prior adjustment already made

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 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: GA

Complaint narrative:
An account in my credit is showing late, this account has never been late, this inacurate reporting has affected my ability to get funding and has made me pay higher interes. 
Please remove this late in my 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 2019-03-10 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: GA

Complaint narrative:
An account in my credit is showing late, this account has never been late, this inacurate reporting has affected my ability to get funding and has made me pay higher interes. 
Please remove this late in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This is my second complaint through your system with Capital One. My income has changed and prospects are good and I have been making payments - granted less than the amount due but making payments to honor my responsibility and yet Capital One has charged off my account like I haven't made a payment in months. I have gone through this with my other cards, namely XXXX, and they did not do a charge off in fact, I was able to get back on track with them and still have an active account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 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 — Problem with personal statement of dispute
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I received a letter from Diversified Consultants dated XX/XX/19 regarding a {$680.00} bill from XXXX XXXX XXXX. I called Diversified on XX/XX/19 to let them know I do not believe I owed this debt. I changed wireless plan from XXXX XXXX XXXX to XXXX and I was informed by XXXX that they would take care of the switch and pay any existing balance on our phone so I was not aware of this outstanding debt. The letter from Diversified stated to reach out within 30 days which I did. Upon learning XXXX did not complete the process and payment was not sent to XXXX XXXX XXXX, I called Diversified back on XX/XX/19 to make full payment. I paid the full amount on this day ; however, I also learned that Diversified had reported this delinquent collection to my credit report. According to Diversified, they made the report to the credit bureaus on XX/XX/19. This was after I spoke with them on XX/XX/19 letting them know I did not believe I owed the bill and would be getting back to them. I asked them to remove this report to the credit bureaus and I was told that I did not dispute the bill when in fact I did call, and they acknowledged, on XX/XX/19 letting them know I did not believe I owed the bill and needed to investigate. Their response was that I did not specifically say I was disputing the bill. I'm not sure how much more clearer my words were when I said I did not believe I owed this bill. Their report was in violation of their own letter and I believe in violation of fair credit reporting act. I am in the process of shopping for mortgage refinance and this greatly affected my credit score and now unable to get good rates for my home refinance. I am also trying to obtain financing for a business venture but again, this will not take place because of this negative report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 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: Innovis
State: GA

Complaint narrative:
An account in my credit is showing late, this account has never been late, this inacurate reporting has affected my ability to get funding and has made me pay higher interes. Please remove this late in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 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: AZ

Complaint narrative:
I have student loan accounts on my credit reporting that I did not authorize. I have never applied for student loans due to the fact that I never attended college. This information is incorrect and does not belong to me. I have reason to believe that my personal information may have been compromised.

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 2019-03-10 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: AZ

Complaint narrative:
I have student loan accounts on my credit reporting that I did not authorize. I have never applied for student loans due to the fact that I never attended college. This information is incorrect and does not belong to me. I have reason to believe that my personal information may have been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 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: AZ

Complaint narrative:
I have student loan accounts on my credit reporting that I did not authorize. I have never applied for student loans due to the fact that I never attended college. This information is incorrect and does not belong to me. I have reason to believe that my personal information may have been compromised.

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 2019-03-10 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: LEXISNEXIS
State: GA

Complaint narrative:
An account in my credit is showing late, this account has never been late, this inacurate reporting has affected my ability to get funding and has made me pay higher interes. Please remove this late in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 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: ID Analytics, Inc.
State: GA

Complaint narrative:
An account in my credit is showing late, this account has never been late, this inacurate reporting has affected my ability to get funding and has made me pay higher interes. Please remove this late in my 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 2019-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
So after almost 10 years may husband and I have been treated unfairly by Wells Fargo Home Mortgage. Our home is up for auction on XX/XX/XXXX. We contacted XXXX in the early part of XX/XX/XXXX maybe around XXXX to refinance uuand it was taking a long time to get it together. There was a lot of restructuring going on at XXXX. There were different loan officers getting involved with our application. We even had one of the officers who was released from the office try to take our application with him to his next employer. He was still working on our application but didnt bother to tell us that he was no longer employed there. So I wasnt sure who I was talking to. Nonetheless, the XXXX called me with a final offer which was nothing I had discussed but decided on anyway. The Note then was transferred to Wells Fargo Home Mortgage for servicing. In the unfortunate event I required XXXX in the early part of XX/XX/XXXX. I contacted Wells Fargo informing them of our hardship. We filed for medical hardship and requested a modification. We were given new terms and they were to begin XX/XX/XXXX. However on XX/XX/XXXX we received a letter from Wells Fargo renigging the modification. I didnt understand up until now the reason they have denied us a modification and its all due to a business tax lien. Now I am no underwriter or banker but the tax lien was filed XX/XX/XXXX. Shouldnt that have been taken care of during the refinance with XXXX. Wells Fargo didnt approve any of our yearly applications for a modification and always said the account was closed due to the homeowners being uncooperative. In addition, we never received any correspondence of denial with the reasons for the We submitted an application every year per their instructions. It wasnt until XX/XX/XXXX when the lien expired did anything happen. We again filled out an application this time we received terms and then we asked for a detailed breakdown of the arrears and they said NO. Why were we not entitled to this information. So this was the last opportunity we were given because as of XX/XX/XXXX we were informed we no longer had the option of modifying the loan. We were given only two options and neither alloowencevgus to stay in our home which we have been in for 28 years. At first I was told the investor changed their guidelines and now I am finding out the decision was made by someone in Wells Fargo. When people hear that we are behind this many years, I have to enlighten them and say that Wells lFargo never made any moves throughout the years. We couldnt make any payments until they activated the account so what were we to do. And now they want to foreqclose on us and we dont see how thats fair.

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 2019-03-11 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: TN

Complaint narrative:
I sent a dispute request to the company XXXX XXXX. They are reporting as a charged off debt. However, the company responded to my request to verify the ownership of this account by sending me a print out of how they are reporting the account to Experian. The account is also reporting on my XXXX and XXXX   reports. This is not permissable under the FCRA as an accurate way to verify an account to a consumer. They must provide a signature or contract of service with this company and they have failed to do both on numerous occasions of requests to credit bureaus not properly verifying information as well. Please delete this account from all three credit bureaus for inaccuracy and estoppel of silence by not rendering contract of services.

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