vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-03 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: IL

Complaint narrative:
I have tried to dispute 6 dismissed bankruptcies that don't belong to me on my credit report with Equifax. Equifax claims that they verified these bankruptcies with the creditor. Equifax is the only credit bureau reporting these bankruptcies. The creditor is the US Bankruptcy Court, who DO NOT verify anything with 3rd party vendors such as Equifax. According to the FCRA, Equifax is supposed to verify accounts directly with the creditors to provide accuracy. However, Equifax says they verify account information through XXXX XXXX, which is a 3rd party vendor not the creditor. Therefore, Equifax is unable to directly verify my correct information because only partial information, such as, social security numbers are available. If Equifax can not accurately verify information from the actual creditor then they must delete these bankruptcies because they are violating my rights under the FCRA. Equifax is reporting inaccurate information that they can not legally verify. Equifax needs to delete these bankruptcies from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: PA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XX/XX/2020 Attempted to get credit report : failed with " Sorry, we are experiencing technical difficulties. '' XX/XX/2020 Attempted to get credit report : failed with " Sorry, we are experiencing technical difficulties. '' Experian makes it difficult to get my credit report and impossible to get my credit report online.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
This letter is being sent to you in response to notices sent to / from me from the Dept of Edu / Navient and more importantly, due to their erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that their claim has been disputed and validation was requested.

I have asked the Dept of Edu/ Navient to please provide me with the following : What the money they say I owe is for : Explain and show me how they calculated what they said I owe : Provide me with copies of any papers that show I agreed to pay what they say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you they are licensed to collect in my state : Provide me with their license numbers and Registered Agent or Agent of Service : At this time, I also informed Navient that if their offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX , XXXX or XXXX  } this action might constitute fraud under both Federal and State Laws. Due to  this fact, if any negative mark is found on any of my credit reports by their company or the company that they represent, I will not hesitate to bring legal action against them for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Navient provided the following documentation : A statement summary of my account 4 Master Promissory Notes that DO NOT have my signature on them Since reaching out to Navient, action was taken which has been detrimental to all 3 of my credit reports, and I am consulting with my legal counsel for suit. The information provided by Dept of Edu / Navient includes information that is inaccurate and invalidated, but the credit bureaus have been verifying these accounts as accurate, when in fact there is no provided proof that it is accurate.

The company Dept of Edu/ Navient has failed to respond to this validation request and the information provided in the Master Promissory Note must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting b
ureaus : XXXX , XXXX  and XXXX } should be sent to me immediately.

I have also disputed this information with the 3 credit bureaus as inaccurate, and they have come back to me and stated they were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: PA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: PA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant & Weber
State: CA

Complaint narrative:
I noticed 2 collection accounts from the same collector on my credit report ( {$95.00} and {$88.00} ), Since I never received a notification of these debts I searched the collection agency on internet and called. During the first call to the collection agency -XX/XX/2019- I was informed that the collector had 5 accounts under my name and social security number, with a total of {$300.00}. I asked for a full itemized statement since I never see the original invoices for these 5 accounts, the collector agreed so send the a full itemize statement. After several weeks waiting for the statements, I called the collector one more time -XX/XX/2019-, they claim they sent the itemized statements, but I never received it so I requested for second time, the collector told me the itemized statements can take 2 weeks to send ; since the hospital have search the files and later sent to the collector, that is a red flag because the collector don't know what exactly they are collecting, they don't have the invoices to collect. I haven't received the statements yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: SC

Complaint narrative:
These are not my accounts reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion repeatedly reporting innacurrate information employer XXXX XXXX on credit report. I have told them I do not work for 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 2020-02-03 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: FL

Complaint narrative:
I am writing because I do not recognize certain item on my credit report. The account is listed below. I have never done business with this company, and dont understand how I would owe money or have anything that would appear on my credit report from 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 2020-02-03 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: FL

Complaint narrative:
I am writing because I do not recognize certain item on my credit report. The account is listed below. I have never done business with this company, and dont understand how I would owe money or have anything that would appear on my credit report from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I noticed I had been charged two {$25.00} maintence fees, a total of {$50.00} ( Bank of America Advantage Monthly Checking ) for XX/XX/XXXX and XX/XX/XXXX. My minimum balance to avoid those fees was never lower than the required minimum. ( This happened once before a year or two ago. )

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 monetary relief
Consumer complaint received 2020-02-03 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: AL

Complaint narrative:
I have sent numerous dispute letters to Transunion on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 

I've requested for a Bankruptcy account reporting to my credit profile to be removed due to it being inaccurate and invalid. Transunion has yet to provide me proof of verification of account and continues to report this Bankruptcy account which has hindered me from acquiring credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: GA

Complaint narrative:
EXPERIAN, XXXX  AND XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS/LOANS ON MY CREDIT PROFILE. BELOW ARE THE LIST OF THE FRAUDULENT ACCOUNTS : Fraudulent Accounts : XXXX XXXX  XXXX : Account Number : XXXX -- ->Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX : Account Number : XXXX -- -- >Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX XXXX OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX XXXX  : Account Number : XXXX -- >Date Opened : XX/XX/XXXX XXXX XXXX  XXXX : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX U.S. DEPT OF ED - XXXX : Date Opened : XX/XX/XXXX U.S. DEPT OF ED - XXXX  : Date Opened : XX/XX/XXXX U.S. DEPT OF ED - XXXX  : Date Opened : XX/XX/XXXX U.S. DEPT OF ED -  XXXX  : Date Opened : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX Fraudulent Inquiries : XXXX  : Inquiry date : XX/XX/XXXX XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX XXXX, XXXX XXXX  : XX/XX/XXXX Fraudulent Collections : XXXX XXXX -- -- Opened XX/XX/XXXX XXXX XXXX XXXX -- -Opened XX/XX/XXXX Fraudulent Address : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, AL 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 2020-02-03 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: SC

Complaint narrative:
These are not my accounts reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: SC

Complaint narrative:
These are not my accounts reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK
State: ME

Complaint narrative:
Discover Card raised my interest rate to XXXX without my knowledge or consent or for any reason. 

I wrote, called and was on a chat today XX/XX/XXXX submitting a formal request for an explanation. It was completely ignored. 

I had recently begun a program of a reduced rate of XXXX for 6 months due to a job change. I did not know it was at XXXX before around XX/XX/XXXX. I agreed to a freeze on my account and the temporary rate reduction. They were supposed to send me documentation why my rate was XXXX but never did. They also told me the freeze on my card was temporary. This was a lie. There is no guarantee my card will every be unfrozen. I have never paid late, have credit score of XXXX. 

I finally got a supervisor on chat who just kept telling me the same thing over and over about the temp interest rate and repeating what I already knew and completely ignoring my request for documentation as to why my interest rate went up from 12 to 14 % ( not sure ) in XXXX to XXXX. 

I also asked for a rate reduction. He completely ignored and just sent the same response saying my account freeze would be periodically reviewed like he was some kind of robot.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-03 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: TX

Complaint narrative:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal 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 ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof 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 2020-02-03 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: AL

Complaint narrative:
I have sent numerous dispute letters to XXXX on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 

I've requested for a Bankruptcy account reporting to my credit profile to be removed due to it being inaccurate and invalid. XXXX has yet to provide me proof of verification of account and continues to report this Bankruptcy account which has hindered me from acquiring credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have sent numerous dispute letters to XXXX  on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 

I've requested for a Bankruptcy account reporting to my credit profile to be removed due to it being inaccurate and invalid. XXXX has yet to provide me proof of verification of account and continues to report this Bankruptcy account which has hindered me from acquiring credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
XX/XX/2020 Took my dog to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX. Dog had a XXXX XXXX in his XXXX that required an XXXX and XXXX to remove and repair. This took several days in hospital to complete. CareCredit approved me for {$5000.00} and the total bill was {$7400.00}. The remaining {$2400.00} was charged to my friends CareCredit account. I got my first statement from Carecredit/Synchrony bank. The statement closed on XX/XX/2020 and the first payment is due XX/XX/2020. I called Synchrony bank on XX/XX/2020 to arrange for at least 30 or 45 days until the first payment. I was told per a supervisor that they would not help me nor could they change the payment date. I advised them, that the first payment should be at least 30 days and I was told it was due 23 days. Since this application was completed on their app, online I was not aware the first payment would be due 23 days. Since I did not get to bring my dog home until XX/XX/2020 I was assuming the payment would follow 30 days from the discharge date in the hospital. Synchrony bank used scripted statements and refused to help or offer alternative solutions. I was informed that I will be charged a late fee as well. Since my friend helped me pay for the remaining amount on her CareCredit card, why is her first payment due XX/XX/2020? The seems to be unfair, undisclosed, and unwilling to help. I am able to make the payment, however was not prepared for the due date. Please help me get this corrected and prevent this type of billing charge practice in the future. Proper disclosure and a willingness to help allows for and educated decision. It is my understanding that since this is a fixed rate loan, why wouldn't I be given the choice of the first payment date/option? I was provided the option to choose my repayment term and apr, why not the first payment date??

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 monetary relief