vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-15 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: HI

Complaint narrative:
i am going for the mortage process, and i requested the credit report, once i receieved it, it doesnt show my credit score and i also see my brother name, social security number and address shown it on my credit report. also some addition address shown in my credit report as well.

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 2019-02-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Risecredit, LLC
State: OH

Complaint narrative:
I had setup a payment plan for 3 final payments, after that my debit card info was compromised, this happened in the 2 week of XXXX, about 2 weeks later I got a new debit card, and I received and email on XX/XX/XXXX about making my payment on the XXXX of {$7.00} ... before I could update the account they charged it off without warning. 

I even had to reset my password to even login. 

I will be calling them tomorrow XX/XX/19 and raising absolute XXXX, I will record the phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: OH

Complaint narrative:
On XX/XX/2018, I reached out to XXXX, about why my payments were not getting credited, I was making payments and they would never arrive to my checking account. Upon verifying this issue with them we discovered that when my payment account was updated the account # was mistyped by 1 digit. I was told by XXXX in Customer service to attach a copy of my bank statement and mail it to them along with a letter of the call that took place and they would remove the late marks on my credit report and this was done in error of the account # from my payment account being typed wrong. 

2 Months later, nothing has been updated. They have my account locked from making payments online thru their website and i either have to call it in, or use online bill pay from my bank.

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 2019-02-15 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: OH

Complaint narrative:
On XX/XX/2018, I reached out to XXXX, about why my payments were not getting credited, I was making payments and they would never arrive to my checking account. Upon verifying this issue with them we discovered that when my payment account was updated the account # was mistyped by 1 digit. I was told by XXXX in Customer service to attach a copy of my bank statement and mail it to them along with a letter of the call that took place and they would remove the late marks on my credit report and this was done in error of the account # from my payment account being typed wrong. 

2 Months later, nothing has been updated. They have my account locked from making payments online thru their website and i either have to call it in, or use online bill pay from my bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-15 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: OH

Complaint narrative:
On XX/XX/2018, I reached out to XXXX, about why my payments were not getting credited, I was making payments and they would never arrive to my checking account. Upon verifying this issue with them we discovered that when my payment account was updated the account # was mistyped by 1 digit. I was told by XXXX in Customer service to attach a copy of my bank statement and mail it to them along with a letter of the call that took place and they would remove the late marks on my credit report and this was done in error of the account # from my payment account being typed wrong. 

2 Months later, nothing has been updated. They have my account locked from making payments online thru their website and i either have to call it in, or use online bill pay from my bank.

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 2019-02-15 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: OH

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: MO

Complaint narrative:
I have disputed and requested the removal / blocking of the following accounts that's continuing reporting on my credit report inwhich I still haven't been provided with the Method Of Verification inwhich was used to determine the legitimacy of these accounts ( 1 ) XXXX XXXX XXXX XXXX {$950.00}, ( 2 ) XXXX, ( 3 ) XXXX XXXX, ( 3 ) XXXX XXXX XXXX {$180.00}, ( 4 ) XXXX XXXX XXXX {$210.00}, ( 4 ) XXXX XXXX XXXX {$260.00}, I do not have absolutely any relationship nor contract with the above companies. I also requested the Method Of Verification inwhich supports their claims, I want to know what was the method of communication, via phone, email, text, fax, etc. Inwhom talked to whom, what date, day, and time. What physical documentation was provided, etc. And as an consumer and within the laws stated within the FCRA I'm entitled to this information, and if this is not provided to me then the above accounts shall be removed, blocked and/ or deleted immediately. Your cooperation is Appreciated!

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 2019-02-15 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: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I filed a complaint against TransUnion & XXXX  for reinserting a 5 year old Bankruptcy ( Case # XXXX ) without notifying me in writing with in the five business days required by FCRA, Part ( A ) ( 5 ) ( B ). The reason the BK had been deleted about 5 years ago was do to the fact there was many inaccuracy reporting on the Bankruptcy. Such as wrong filing date, date the BK was closed the address and name of the correct Bankruptcy court. They even had my address incorrect. After I filed my complaint XXXX  sent me a letter stating that they had removed the Bankruptcy off my credit. I was really relieved considering at the time I was in the middle of closing on some rental property and had to take a big financial lose because of what had just inspired with my credit taking a major hit which caused me a lot of stress and some miner physical pain. So now both XXXX  and XXXX   was showing my credit report correctly and I just knew TransUnion would follow suite , but they did just the opposite. On XX/XX/XXXX I received a letter from Transunion stating that on the date of XX/XX/XXXX and XX/XX/XXXX they had did an investigation into Texas Federal Court XXXX and at that time when they did investigation they had verified the account. So they went on to say that they would reopen the case and do an new investigation into the matter and send me out a letter once its been done with the new results. XX/XX/XXXX is the last I've herd from Transunion. From my understanding they have 30-45 days to do an investigation and send out the results or they must remove the item off the consumer report. I have yet to receive anything but yet they are still reporting this on my credit which is a violation of FCRA. Transunion is also in violation for not sending out a letter with in 5 days of reinserting a deleted item. I don't understand why Transunion claimed they did investigation back in XXXX and XX/XX/XXXX because its irrelevant considering it was deleted anyways back then for the violation that i noted. But from my true understanding section 609 protects me against false reporting and i would like to point out that this exactly what this is. TransUnion is the only bureau reporting this on my credit and have yet to explain why or show any prove. Transunion needs to remove the BK off my credit or my next step will to seek legal actions against them.

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 2019-02-15 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: WV

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-02-15 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: WV

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: MO

Complaint narrative:
I have disputed and requested the removal / blocking of the following accounts that's continuing reporting on my credit report inwhich I still haven't been provided with the Method Of Verification inwhich was used to determine the legitimacy of these accounts ( 1 ) XXXX XXXX XXXX XXXX {$950.00}, ( 2 ) XXXX, ( 3 ) XXXX XXXX, ( 3 ) XXXX XXXX XXXX {$180.00}, ( 4 ) XXXX XXXX XXXX {$210.00}, ( 4 ) XXXX XXXX XXXX {$260.00}, I do not have absolutely any relationship nor contract with the above companies. I also requested the Method Of Verification inwhich supports their claims, I want to know what was the method of communication, via phone, email, text, fax, etc. Inwhom talked to whom, what date, day, and time. What physical documentation was provided, etc. And as an consumer and within the laws stated within the FCRA I'm entitled to this information, and if this is not provided to me then the above accounts shall be removed, blocked and/ or deleted immediately. Your cooperation is Appreciated!

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 2019-02-15 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:
I would like the incorrect remarks removed from my XXXX XXXX XXXX  XXXX account to be removed immediately. Please remove remarks from my 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 2019-02-15 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: FL

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: FL

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Kentucky Higher Education Assistance Authority
State: GA

Complaint narrative:
XX/XX/2016 got reported as 60 days late. I am generally on top of making sure the amount stays in good standing, however, there was a situation where I was under the impression that the loan was placed into an income repayment plan. Now, is affecting my credit score and placing 2 late payments on my report. Customer service was slow and I never received Correspondance until after it was reported. I am asking the late payment  be removed due to confusion not lack of responsibility to pay or set up arrangements. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: MO

Complaint narrative:
I would like the incorrect remarks removed from my XXXX XXXX XXXX XXXX account to be removed immediately. Please remove remarks from my 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 2019-02-15 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:
I would like the incorrect remarks removed from my XXXX XXXX XXXX XXXX account to be removed immediately. Please remove remarks from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: LendUp Loans LLC
State: GA

Complaint narrative:
My credit report for XX/XX/2018 a 3o day late payment. This was due to the site not working correctly before the close of the statement close date. I called in to complain about it but was unable to get the report resolved. The reps seemed not to know what to do to help me with the problem I was having.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was reported 30 days late XX/XX/2018, due to being hospitalized. I simply could not make the payment before the statement closing date. I called in to inform the bank about this I got not resolve. 

I was also marked as 30 Days late XX/XX/2018 due to hardship. When I tried to apply for a payment solution/help prior to the reporting, I was denied.

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 2019-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
XX/XX/XXXX. XXXX and XXXX was a time of hardship as I was a student in the process of getting my XXXX XXXX XXXX license in the midst of starting my new career to be stable and so I couldnt do the payments on time as I was unpaid as a student in school then becoming employed. Ive had an account with XXXX since XX/XX/XXXX and have been on time since those two months and it is critical that I bring my account to great standings now that I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
XXXX XXXX Military, PCSd from XXXX to XXXX. Freedom Morgage company failed to get in contact with me about my interest rate change on house payment. They let late payment lapse for almost a year before I called to get information about tax documents. Only then did they notify me of the rate change to morgage, resulting in almost 40 dollars short on my monthly morgage payment not being paid each month, that I have faithfully paid every month. Now the morgage company has placed a delinquency on my credit report which negatively affects my credit score.

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 2019-02-15 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: CA

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX  XXXX XXXX  XXXX and 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 2019-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Bank, XXXX, XXXX XXXX, XXXX, XXXX XXXX, JP Morgan, and others have my information and show money in account but refuse to allow me to access. I get emails and letters in mail asking me about bankcards, debit cards, credit cards that I never received. I have recently seen many types of financial things like loans, student loans, taxes for amounts like XXXX from attorney general of Texas due to a partnership I was left due to intellectual property stolen and sold around the world that I arbitrated and became partners with XXXX and various other companies. Gained many stocks. Told by XXXX XXXX I was granted XXXX XXXX when Pres. Trump was given XXXX XXXX to disperse to people who had donated a large sum of money, which I had of the amount if XXXX XXXX while thieves were stealing from me. Decided I would rather give it to charity than thieves. Did everything to stop but it's complicated. Which I believe was orchestrated for that very reason, too many things happening at the same time which was obvious since the mistakes are not typical and you generally never see those types of mistakes happen to anybody which had now become apparent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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:
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX   XXXX and 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 2019-02-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Clarity Services
State: TX

Complaint narrative:
Was told that loans where approved gave account and routing number for money to be transferred but never received. Other loans Zi never applied for as well.

Company response to consumer: Closed with explanation