vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-03 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
The 30- and 60-day delinquency reflected on our credit reports from Santander Consumer USA for XXXX and XX/XX/XXXX are erroneous. Payments made on the account over the course of 7 years were current and paid in accordance with the information provided by Santander Consumer USA. In XX/XX/XXXX, the account information on Santanders website reflected our regular monthly payment of {$610.00} due on XX/XX/XXXX. However, on XX/XX/XXXX, we received notification of a 30 day late on our credit reports from Santander. On XX/XX/XXXX, we spoke with a representative at Santander and was told although the principal balance on the account was now paid in full, the account should have continued to advance, and regular monthly payments would go toward the remaining fees on the account, but did not. Apparently, only the online account advanced ; Therefore, she submitted a request for the account to continue advancing, in addition to the removal of the negative credit reporting. 
In XXXX, the account information provided by Santander reflected our regular monthly payment of {$610.00} due on XX/XX/XXXX. A few days later, we received notification of a 60 day late on our credit reports from Santander. We immediately called and was told the information provided by the representative on XX/XX/XXXX was incorrect, as well as our online account information. Santander has acknowledged their errors, but refuse to correct the negative impact on our credit report as a result of their errors. We have escalated this issue to management only to receive no return calls or resolutions. The negative credit reporting has caused severe financial hardships on our family. This experience has been surreal as we have never been delinquent in our 7 years with Santander. The account was paid per the information furnished by both Santanders online account and representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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:
The credit reporting agencies are continuing to report inaccurate information on my credit file, accounts that are not mines, inwhich I'm holding them accountable for, for reporting un verified accounts. Accounts inwhich has not been physically verified by physical documentation but by electronic Verification alone, inwhich by law and as a general rule can not be accepted as proof .So I'm demanding that either these accounts be physical verified or block these accounts immediately. 

1 ) XXXX XXXX 2 ) XXXX/ XXXX XXXX 3 ) XXXX XXXX   4 ) XXXX XXXX 5 ) XXXX XXXX {$8800.00} 6 )  Dept of Education {$4500.00} 7 ) Dept of Education {$3500.00} 8 )  Dept of Education {$2200.00} 9 ) Dept of Education {$2100.00} 10 )  Dept of Education {$2000.00} 11 ) Dept of Education {$1700.00} 12 )  Dept of Education {$1700.00} 13 ) Dept of Education {$1300.00} 14 )  Dept of Education {$1000.00} 15 ) Dept of Education {$1000.00}

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 2019-06-03 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:
The credit reporting agencies are continuing to report inaccurate information on my credit file, accounts that are not mines, inwhich I'm holding them accountable for, for reporting un verified accounts. Accounts inwhich has not been physically verified by physical documentation but by electronic Verification alone, inwhich by law and as a general rule can not be accepted as proof .So I'm demanding that either these accounts be physical verified or block these accounts immediately. 

1 ) XXXX XXXX 2 ) XXXX/ XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX   XXXX 5 ) XXXX XXXX {$8800.00} 6 ) Dept of Education {$4500.00} 7 ) Dept of Education {$3500.00} 8 ) Dept of Education {$2200.00} 9 ) Dept of Education {$2100.00} 10 ) Dept of Education {$2000.00} 11 ) Dept of Education {$1700.00} 12 ) Dept of Education {$1700.00} 13 ) Dept of Education {$1300.00} 14 ) Dept of Education {$1000.00} 15 ) Dept of Education {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Harris & Harris, Ltd.
State: NV

Complaint narrative:
I have reached out to this agency in regards to an alleged amount {$250.00} owed by myself. I asked them to itemize the debt on top of provide my signature with me giving my medical provider permission to share my information with a third party. This is a HIPPA violation. None of these documents have ever been reported back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
About XXXX of last year I attempted to get my credit report through XXXX I had trouble getting my credit report from any credit reporting agency. 

This year, around XXXX, I tried again. I received my XXXX credit report and noticed that the social security number being reported was incorrect. I then called and told them the error and they were very helpful. They fixed it in a few days and sent me a new credit report with the fix. 

I then tried to fix it with XXXX and online but was told I needed to send in a copy of an ID and my SSN card for verification. I sent my letter and copies to them XX/XX/XXXX. I called them in a week or two and was transferred to a representative who was able to make the fix. I received a new credit report with the correct SSN. 

I also tried to fix it with Equifax. I was also told by them to send in a copy of an ID and a copy of my social security card. I called them in two weeks and they told me I could not see the progress of my investigation. They told me to wait for 30 days for a resolution. I waited and received a letter in the mail. The results of the investigation said " the worker ID number is issued by the social security administration for work purposes only. The number is not issued by the social security administration as a social security number ... contact the social security administration concerning changing/updating the social security number currently reporting on your Equifax file '' ( document attached ). 

On XX/XX/XXXX, I reached out to the social security administration and they confirmed that the social security number on my card ( although for work purposes only because I received it through XXXX ) is my social security number. I think the Equifax employee must have mistaken it for an XXXX, regardless, it is my valid social security number. 

I reached out to Equifax the same day and they said the dispute was complete and I would have to submit a new one. I tried logging in online to submit a new investigation but I was unable to, rather I would have to send it though mail again. 

I have already sent in the required information for them to be able to fix the incorrect social security number that they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: MO

Complaint narrative:
The following accounts have been unverified properly but yet still reporting on my credit file, as a general rule the 3 major credit bureaus can not and should not use electronic Verification as fact. In fact and by law electronic Verification can not be accepted as proof therefore either you / the 3 major credit reporting agencies send me physical documentation to verify these accounts or these following accounts shall be removed and blocked immediately from falsely reporting on my credit file. Please remove these unknown and unauthorized accounts, 1 )  XXXX {$670.00} 2 ) XXXX {$820.00} 3 ) XXXX XXXX {$120.00}

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 2019-06-03 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: CA

Complaint narrative:
The 30- and 60-day delinquency reflected on our credit reports from XXXX XXXX XXXX for XXXX and XX/XX/XXXX are erroneous. Payments made on the account over the course of 7 years were current and paid in accordance with the information provided by XXXX XXXX XXXX. In XX/XX/XXXX, the account information on XXXX website reflected our regular monthly payment of {$610.00} due on XX/XX/2019. However, on XX/XX/XXXX, we received notification of a 30 day late on our credit reports from XXXX. On XX/XX/XXXX, we spoke with a representative at XXXX and was told although the principal balance on the account was now paid in full, the account should have continued to advance, and regular monthly payments would go toward the remaining fees on the account, but did not. Apparently, only the online account advanced ; Therefore, she submitted a request for the account to continue advancing, in addition to the removal of the negative credit reporting. 
In XXXX, the account information provided by XXXX reflected our regular monthly payment of {$610.00} due on XX/XX/2019. A few days later, we received notification of a 60 day late on our credit reports from XXXX. We immediately called and was told the information provided by the representative on XX/XX/XXXX was incorrect, as well as our online account information. XXXX has acknowledged their errors, but refuse to correct the negative impact on our credit report as a result of their errors. We have escalated this issue to management only to receive no return calls or resolutions. The negative credit reporting has caused severe financial hardships on our family. This experience has been surreal as we have never been delinquent in our 7 years with XXXX. The account was paid per the information furnished by both XXXX online account and representative.

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 2019-06-03 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: CA

Complaint narrative:
The 30- and 60-day delinquency reflected on our credit reports from XXXX XXXX XXXX for XXXX and XX/XX/XXXX are erroneous. Payments made on the account over the course of 7 years were current and paid in accordance with the information provided by XXXX XXXX XXXX. In XX/XX/XXXX, the account information on XXXX website reflected our regular monthly payment of {$610.00} due on XX/XX/XXXX. However, on XX/XX/XXXX, we received notification of a 30 day late on our credit reports from XXXX. On XX/XX/XXXX, we spoke with a representative at XXXX and was told although the principal balance on the account was now paid in full, the account should have continued to advance, and regular monthly payments would go toward the remaining fees on the account, but did not. Apparently, only the online account advanced ; Therefore, she submitted a request for the account to continue advancing, in addition to the removal of the negative credit reporting. 
In XXXX, the account information provided by XXXX reflected our regular monthly payment of {$610.00} due on XX/XX/XXXX. A few days later, we received notification of a 60 day late on our credit reports from XXXX. We immediately called and was told the information provided by the representative on XX/XX/XXXX was incorrect, as well as our online account information. XXXX has acknowledged their errors, but refuse to correct the negative impact on our credit report as a result of their errors. We have escalated this issue to management only to receive no return calls or resolutions. The negative credit reporting has caused severe financial hardships on our family. This experience has been surreal as we have never been delinquent in our 7 years with XXXX. The account was paid per the information furnished by both XXXX online account and representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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:
The 30- and 60-day delinquency reflected on our credit reports from XXXX XXXX XXXX for XXXX and XX/XX/2019 are erroneous. Payments made on the account over the course of 7 years were current and paid in accordance with the information provided by XXXX XXXX XXXX. In XX/XX/XXXX, the account information on XXXX website reflected our regular monthly payment of {$610.00} due on XX/XX/2019. However, on XX/XX/XXXX, we received notification of a 30 day late on our credit reports from XXXX. On XX/XX/XXXX, we spoke with a representative at XXXX and was told although the principal balance on the account was now paid in full, the account should have continued to advance, and regular monthly payments would go toward the remaining fees on the account, but did not. Apparently, only the online account advanced ; Therefore, she submitted a request for the account to continue advancing, in addition to the removal of the negative credit reporting. 
In XXXX, the account information provided by XXXX reflected our regular monthly payment of {$610.00} due on XX/XX/2019. A few days later, we received notification of a 60 day late on our credit reports from XXXX. We immediately called and was told the information provided by the representative on XX/XX/XXXX was incorrect, as well as our online account information. XXXX has acknowledged their errors, but refuse to correct the negative impact on our credit report as a result of their errors. We have escalated this issue to management only to receive no return calls or resolutions. The negative credit reporting has caused severe financial hardships on our family. This experience has been surreal as we have never been delinquent in our 7 years with XXXX. The account was paid per the information furnished by both XXXX online account and representative.

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 2019-06-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: WY

Complaint narrative:
I am currently being garnished and it has caused me to lose my home and I have XXXX children XX/XX/12 I pay child support currently also. I make XXXX/hr and where I live the cheapest home is XXXX for a home that is suitable for me and my children! I have contacted the federal student loan company along with the collector it was sold to they have given me no real options other than to pay yet more pmts on top of the garnishment which I can not do! They are taking more than 15 percent out of my managers bonus every pay period they are taking 25 percent and I believe they are also taking 25 percent out of gross pay not disposable pay I have contacted my employer she stated she was doing this correctly but when I follow the paperwork I have found online its incorrect I have emails back and forth saved from the student loan company also!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: MO

Complaint narrative:
The following accounts have been unverified properly but yet still reporting on my credit file, as a general rule the 3 major credit bureaus can not and should not use electronic Verification as fact. In fact and by law electronic Verification can not be accepted as proof therefore either you / the 3 major credit reporting agencies send me physical documentation to verify these accounts or these following accounts shall be removed and blocked immediately from falsely reporting on my credit file. Please remove these unknown and unauthorized accounts, 1 ) XXXX {$670.00} 2 )  XXXX {$820.00} 3 ) XXXX XXXX {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: MO

Complaint narrative:
The following accounts have been unverified properly but yet still reporting on my credit file, as a general rule the 3 major credit bureaus can not and should not use electronic Verification as fact. In fact and by law electronic Verification can not be accepted as proof therefore either you / the 3 major credit reporting agencies send me physical documentation to verify these accounts or these following accounts shall be removed and blocked immediately from falsely reporting on my credit file. Please remove these unknown and unauthorized accounts, 1 ) XXXX {$670.00} 2 ) XXXX  {$820.00} 3 ) XXXX XXXX {$120.00}

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 2019-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Address XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX never belonged to me. My Social Security number does NOT end in XXXX, the correct last four are XXXX. There are several numbers listed and the only correct phone number that has belonged to me is XXXX. Spouse or co-applicant should be XXXX XXXX XXXX XXXX, not XXXX. Please remove XXXX, for he is not my husband and we do not have any credit lines together. I can provide a marriage certificate and demonstrate he does not belong under spouse. I would like his name to be removed completely from my file or association.

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 2019-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sarma
State: TX

Complaint narrative:
Medical debts not owed by me.. I have repeatedly tried disputing these medical debts through reporting agencies and through credit bureau and have not been able to resolve these debts in order to fix my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
There are two inquiries that were placed on my credit report on XX/XX/XXXX from KOHLS/CAPONE and on XX/XX/XXXX from CABELAS/XXXX, I sent the credit bureaus a dispute letter asking them to verify the inquiries because I did not authorize the company or anyone to submit any application. All that I received from XXXX and XXXX was a copy of the credit report saying that this company verified or validated these two inquiries. What I received from the credit bureaus is not enough to validate these inquiries. I received the copy of the credit report on XX/XX/XXXX, this applications were submitted fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-03 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: MN

Complaint narrative:
These accounts do not belong to me and I'm demanding that they be removed from my credit file.

1 ) US Dept of Education {$4200.00} 2 ) US Dept of Education {$5800.00} 3 ) Dept of ED/Nelnet {$4000.00} 4 ) Dept of ED/Nelnet {$3500.00}, please block the above 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 2019-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: U.S. BANCORP
State: CA

Complaint narrative:
In XXXX of XXXX, I set up autopayments on the US Bank website to handle the monthly payments for my auto loan on a used 2015 XXXX XXXX. My bank, XXXX   XXXX XXXX, didn't process the autopayment correctly and I consequently missed two payments of {$210.00}. I did consequently pay the full amount due of {$430.00} plus {$10.00} in late fees. US Bank immediately reported the late payment to the credit bureaus even though the problem was with XXXX XXXX XXXX XXXX handling of the the autopay setup. I called US Bank to explain the situation and set up autopay again. This time autopay went through, but US Bank refused to remove the derogatory remark from my credit report. 

Due to this derogatory mark, I'm unable to refinance loans to free up funds to assist my XXXX XXXX. I have a solid year of on-time payments since then, and I request that US Bank humanely consider that they received all the money due to them plus penalties and not hurt our future for the next seven years.

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