vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-28 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:
In XX/XX/XXXX I asked for and received a notice from the court that a collection account had been paid and the court was satisfied that the debt had been resolved. I also received a letter from the collection agency stating the acct was paid and the account satisfied. 

I sent the information to the 3 major credit reporting agencies, XXXX, XXXX and Experian asking the collection be removed as paid.The first 2 took action and removed the acct from my report Experian responded by stating the report will remain unchanged until XXXX. 
I disputed the account every month for 4 months, the same response each time. 

The report showing the collection created a situation that resulted in our family being homeless for 6 months. I can provide statement showing we were living in motels. We were denied housing due to the report, until out current leasing agent actually took the time to look at the documentation and agreed there is an error on my report. 

I can provide the rejection letters. 

I do not believe that Experian has the right to continue reporting the collection when the parties involved are satisfied the acct has been satisfied. 

Thank you for any support that you can provide. I am fearful that when we need to move again we will be denied. 

I will attach the referred documentation

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 2019-11-28 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: GA

Complaint narrative:
XXXX XXXX is reporting a inaccurate last payment for a charged off account for XXXX  it is showing last payment was XXXX XXXX and for TransUnion it is showing last payment date XXXX XXXX Please verify and delete all inaccurate accounts

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 2019-11-28 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:
equifax is supplied here again with the information to block reporting of dept of ed XXXX acct XXXXx.equifax is a scofflaw regarding the fcra.the dept of ed receives XXXX requests for credit correction, according to an outgoing executive.the dept of ed is overwhelmed and can not handle their workload, equifax damages me tens of thousands of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I have a checking account at Citizens Bank and feel that they intentionally hide their fees and when asked ( multiple times ) simply refuse to answer.

I asked Citizens Bank Customer Service a few times if there would be a Citizens Bank fee assessed by Citizens Bank for a withdrawal initiated from another bank ( ACH ) and I was given vague answers and boilerplate copy paste non-answers.

Finally Citizens Bank Customer Service responded today as pasted below : " Dear XXXX, Thank you for your email regarding External transfers. 
If the external transfer is initiated from another financial institutions website we are unable to determine if there will be a fee from our end. 
If you have any further questions or concerns, please contact us via email or by calling our 24-hour Online Banking Department at XXXX XXXX. 
We value you as a customer and appreciate your business. Thank you for choosing Citizens Bank. 
Sincerely, XXXX XXXX. 
Email Team Advocate '' I believe a bank must be upfront about their fees and that if the " can not determine if there will be a fee on their end '' they should not be in the banking business. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 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: SC

Complaint narrative:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit file. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal 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 of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of 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 2019-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: MO

Complaint narrative:
Elan Financial Services has reported a negative erroneous account to my consumer credit report. I've disputed this account countless time & their validating the debt as accurate. However they have yet to prove verification that the account is mine. Under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they're required to promptly DELETE all information which can not be verified. I want this information deleted from all three major credit bureaus.

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 2019-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
i been paying all my car payments on time and the app they have been messing up but still showed up as paid on my end. i call and told them the payment on XXXX went through but said i had to file a complaint. im stressing that I immediately want the payment information corrected and want it to show XXXX payments for all months and to contact me if anything show up late so i can clear it up. This drastically hurting my credit and want it to be correct ASAP.!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 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: AZ

Complaint narrative:
I have several accounts on my credit report that are double reporting and I have several accounts on my report that the agency is saying it is accurate but when I notify the companies they can not provide me with information and they said that if I have any information to send to them but per the credit reporting agencys investigation they can not verify the account. But the credit reporting agency has stated that they verified it Is accurate.

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 2019-11-28 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: GA

Complaint narrative:
The XXXX XXXX card doesnt report that is has been paid but it also doesnt report that it has been sold to a collection agency please verify this information and delete all inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NY

Complaint narrative:
see attached doc I have been fraud out of money ( {$27000.00} ) by XXXX XXXX and company for software he didn't deliver .... then he lied to discover card whit fake claims and discover failed to help me or explain me y i have to pay on something i haven't received i have been promised by discover card call backS which never happened the main point is i haven't received anything from XXXX XXXX and discover is trying to make me pay for even if i dint get

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 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: GA

Complaint narrative:
The XXXX XXXX card doesnt report that is has been paid but it also doesnt report that it has been sold to a collection agency please verify this information and delete all inaccurate information

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 2019-11-28 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: AZ

Complaint narrative:
I have several accounts on my credit report that are double reporting and I have several accounts on my report that the agency is saying it is accurate but when I notify the companies they can not provide me with information and they said that if I have any information to send to them but per the credit reporting agencys investigation they can not verify the account. But the credit reporting agency has stated that they verified it Is accurate.

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 2019-11-28 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: AZ

Complaint narrative:
I have several accounts on my credit report that are double reporting and I have several accounts on my report that the agency is saying it is accurate but when I notify the companies they can not provide me with information and they said that if I have any information to send to them but per the credit reporting agencys investigation they can not verify the account. But the credit reporting agency has stated that they verified it Is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 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: GA

Complaint narrative:
XXXX XXXX is reporting incorrect last payment date for XXXX it states the last payment was XXXX XXXX and for Equifax it states the last payment was XXXX XXXX please verify and delete all inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 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: GA

Complaint narrative:
XXXX XXXX is reporting incorrect last payment date for transunion it states the last payment was XXXX XXXX and for XXXX it states the last payment was XXXX XXXX please verify and delete all inaccurate information

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 2019-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Experian makes it very difficult to place a credit freeze on your account in the event of suspected identity theft ( we accidentally gave sensitive financial information to a phishing email on XX/XX/25 and tried to freeze our credit on the same day ). It seems that they do this intentionally as placing a credit freeze can be accomplished fairly easily online at the other two credit agencies. It is similarly difficult to place a fraud alert with experian compared with the other credit agencies. At this point we have been unable to place a credit freeze with experian and we are having to mail documents just to place a fraud alert. We have already placed credit freezes with the other credit agencies, which again was fairly straight forward. Experian does apparently allow for a credit freeze to be placed by mail, however due to the outrageous amount of documents they request be sent by mail ( which they won't allow to be uploaded online ) and our concern that it will be very difficult to remove a freeze with experian in the future ( there are many reports of this online ) we have not attempted this. Additionally when we attempted to upload documents for a fraud alert online, experian 's upload site simply times out. I have tried multiple times. Again, it seems that they intentionally make the process difficult. We have tried to call, but we were never able to reach a person to speak with. Credit agencies are required by law to allow for fraud alert and credit freezes to be placed. Experian seems to be doing their best to comply as little as possible with law.

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 2019-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WY

Complaint narrative:
Same issue as before, which Equifax won't address and you, CFPB, are REFUSING to investigate and hold them accountable. Are you guys drunk on the job?! When Obama was President, this organization had the consumer 's back, they worked hard, they listened to us, they resolved issues and held companies accountable - you guys aren't doing XXXX! AGAIN... I froze my credit with Equifax and they unfroze it without my authority, knowledge or the use of my PIN. And YES, I have a file with them and NO, I'm not a third party, I am me. This is the last EMAIL of nonsense they sent me and you, CFPB, signed-off on : This complaint lists someone the company does not recognize as their customer or their customers authorized representative. 

We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. 

Companies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. 

What the bloody XXXX is going on? And why do you, CFPB, continue to allow them to NOT answer to their unethical behavior that they exhibited with my account? Do your flippin ' job, ask them questions, hold them accountable and resolve this! This is absolutely maddening and shame on all of you for NOT DOING YOUR JOB AND PROTECTING CUSTOMERS!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-28 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting a monthly payment for a charged off account also the payment status on transunion says repossession but my Equifax Payment status says charge off Please verify and delete all inaccurate accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Alorica Inc.

Complaint narrative:
I had an established loan with The XXXX XXXX XXXX company. About 5/6 ( XXXX ) months ago, I reached out for a payoff quote, in an attempt to close out the loan. About a month passed and I noticed that there was no response from them. So I went online only to find out that they had went out of business and some company by the name of Systems and Services Technologies , Inc ( " SST '' ) was the loan servicer for your XXXX  account. They had email/phone number for contacting purposes. I've reached out several times in attempt to reach them and close out my loan. So this month ( XXXX ), I decided to stop my payment to them since there's no way of contacting them and I had absolutely no idea where my money was going and how long this process would continue. Last week I received an email from the same company, whom I've been trying to get in touch with for the last 5/6 months, informing me that my account would be reported delinquent to the credit bureaus if I didn't resume payment. Of course they included a contact number to reach them. Called the number numerous times and an automated voice answers everytime with, Were experiencing technical difficulties. 

I definitely do not need some erroneous company screwing up my credit report. I need some involvement from you all to ensure that this does not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting a monthly payment for a charged off account also the payment status on transunion says repossession but my XXXX Payment status says charge off Please verify and delete all inaccurate accounts

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 2019-11-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Today XX/XX/2019 I received a message that one of my credit cards ( XXXX XXXX ) is over the limit.this information is incorrect the card is not over the limit. XXXX XXXX sent me this message. I tried to get online to dispute this wrong information with transunion but they wont let me online it kept saying error message and not able to complete my dispute. Having this wrong information has dropped 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 2019-11-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Today XX/XX/2019 I received a message that one of my credit cards ( XXXX XXXX ) is over the limit.this information is incorrect the card is not over the limit. XXXX XXXX sent me this message. I tried to get online to dispute this wrong information with XXXX but they wont let me online it kept saying error message and not able to complete my dispute. Having this wrong information has dropped my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Today XX/XX/2019 I received a message that one of my credit cards ( XXXX XXXX  ) is over the limit.this information is incorrect the card is not over the limit. XXXX XXXX sent me this message. I tried to get online to dispute this wrong information with XXXX but they wont let me online it kept saying error message and not able to complete my dispute. Having this wrong information has dropped 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 2019-11-28 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:
I am a victim of identity theft.

Company response to consumer: Closed with explanation