vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-20 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: WI

Complaint narrative:
During mid XXXX I began to dispute the inaccuracies on my credit reports with the 3 Credit Bureau 's Equifax, XXXX & XXXX. I requested that my reports reflect my corrected legal name & current address along with that request I requested that they remove a couple unverified collection accounts and a public record that was listed. 

I formally asked these 3 Credit Bureau 's to legally investigate and verify the inaccurate information being reported on my credit files but all 3 have failed to do just that. I've been disputing these inaccuracies for the last 4 months with no resolution of the inaccurate information being reported in my credit files. 

The inaccuracies being reported are listed below by Credit Bureau 's : EQUIFAX XXXX XXXX bankruptcy File Date Of : XX/XX/XXXX Ref # : XXXX XX/XX/XXXX Unknown Creditor : XXXX Date Opened : XX/XX/XXXX Amount : {$120.00} XXXX XXXX : Account # : XXXX Amount : {$410.00} XXXX XXXX : Account # XXXX Amount : {$1100.00} XXXX  XXXX XXXX Bankruptcy File Date Of : XX/XX/XXXX Ref # : XXXX XXXX XXXX : Account # : XXXX Amount : {$410.00} XXXX XXXX : Account # XXXX Amount : {$1100.00} XXXX XXXX XXXX Bankruptcy File Date Of : XX/XX/XXXX Ref # : XXXX XXXX XXXX : Account # : XXXX Amount : {$410.00} XXXX XXXX : Account # XXXX Amount : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Riverwalk Financial Corporation
State: CA

Complaint narrative:
I owe my XXXX XXXX payment to XXXX XXXX on XXXX. And that payments I have already paid off by me to XXXX XXXX XXXX confirming XXXX as a my debt collecting agency, file # XXXX on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX reported on my XXXX  credit bureau on collection of {$6.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: CA

Complaint narrative:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: LEXISNEXIS
State: AZ

Complaint narrative:
I mailed certified letters asking for the method of verification used to report the information on my reports tha I believe is being reported correctly. I stated that I was exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute and if they could not provide it they needed to remove the items. This was now over a month ago.

I want them to be investigated and I want to pursue action against them at this point. I have tried many times to get this wrong information corrected with no success and it affects my life and is costing me money!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: TX

Complaint narrative:
I am a victim of a data breach in 2013, as XXXX XXXX and all of itts consumer personal financial information was exposed. Because of this recent discovery, I am very concerned about the privacy of my information, which has been compromised and it is all over in the dark web, loan accounts have been opened in my name. I was told to file a complaint now as I sent my dispute in with the major credit agencies with no action taken. A detailed letter of this dispute, my ID and my FTC ID theft report are attached. I'm requesting this information to be block from my credit report in accordance with the FCRA .Please remove all non-account holding inquiries in the last XXXX years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20 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: TX

Complaint narrative:
I am a victim of a data breach in 2013, as XXXX XXXX and all of itts consumer personal financial information was exposed. Because of this recent discovery, I am very concerned about the privacy of my information, which has been compromised and it is all over in the dark web, loan accounts have been opened in my name. I was told to file a complaint now as I sent my dispute in with the major credit agencies with no action taken. A detailed letter of this dispute, my ID and my FTC ID theft report are attached. I'm requesting this information to be block from my credit report in accordance with the FCRA .Please remove all non-account holding inquiries in the last two 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 non-monetary relief
Consumer complaint received 2019-03-20 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I mailed certified letters asking for the method of verification used to report the information on my reports tha I believe is being reported correctly. I stated that I was exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute and if they could not provide it they needed to remove the items. This was now over a month ago. 


I want them to be investigated and I want to pursue action against them at this point. I have tried many times to get this wrong information corrected with no success and it affects my life and is costing me money!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: AES/PHEAA
State: AZ

Complaint narrative:
I mailed certified letters asking for the method of verification used to report the information on my reports tha I believe is being reported correctly. I stated that I was exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute and if they could not provide it they needed to remove the items. This was now over a month ago. 


I want them to be investigated and I want to pursue action against them at this point. I have tried many times to get this wrong information corrected with no success and it affects my life and is costing me money!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc.
State: LA

Complaint narrative:
Account was supposedly opened in XXXX. In XXXX I was advised that the property was seized from owner and was sold and the balance was cleared and that {$0.00} was owed for the property. Gm Financial agreed to remove collection via letter mail and via phone once payment was settled. To my knowledge payment was settled because a letter was received in the mail stating that the collection would be taken off of the credit file. It never happened. Company is falsely reporting debt that was settled years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Waterfall Revenue Group
State: CA

Complaint narrative:
I spoke with this company multiple times. They once collected a payment from me on XX/XX/2018 for {$100.00} and said the payment went through and I was good. They never contacted me again. I was surprised find today when I was applying for my mortgage refinance that this company reported this debt as still in collections last month and my credit score significantly came down. 
I logged in to their portal to find out that the previous payment did not go through and I had to pay this again. I paid this again and it shows the payment is processing. 
This company has not been transparent about the fact that they were going to report to the credit bureau and damage my credit. I hope they can correct my credit asap so i can go through with my refinance

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: WI

Complaint narrative:
During mid XX/XX/XXXX I began to dispute the inaccuracies on my credit reports with the 3 Credit Bureau 's XXXX, XXXX & TransUnion. I requested that my reports reflect my corrected legal name & current address along with that request I requested that they remove a couple unverified collection accounts and a public record that was listed.

I formally asked these 3 Credit Bureau 's to legally investigate and verify the inaccurate information being reported on my credit files but all 3 have failed to do just that. I've been disputing these inaccuracies for the last 4 months with no resolution of the inaccurate information being reported in my credit files.

The inaccuracies being reported are listed below by Credit Bureau 's : XXXX  Chapter XXXX  bankruptcy File Date Of : XX/XX/XXXX Ref # : XXXX XXXX Unknown Creditor : XXXX Date Opened : XX/XX/XXXX Amount : {$120.00} XXXX XXXX  : Account # : XXXX Amount : {$410.00} XXXX XXXX : Account # XXXX Amount : {$1100.00} XXXX Chapter XXXX Bankruptcy File Date Of : XX/XX/XXXX Ref # : XXXX XXXX XXXX : Account # : XXXX  Amount : {$410.00} XXXX XXXX : Account # XXXX  Amount : {$1100.00} TRANSUNION Chapter XXXX   Bankruptcy File Date Of : XX/XX/XXXX Ref # : XXXX XXXX XXXX : Account # : XXXX  Amount : {$410.00} XXXX XXXX  : Account # :XXXX  Amount : {$1100.00}

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 2019-03-20 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: WI

Complaint narrative:
During mid XXXX I began to dispute the inaccuracies on my credit reports with the 3 Credit Bureau 's XXXX, Experian & XXXX. I requested that my reports reflect my corrected legal name & current address along with that request I requested that they remove a couple unverified collection accounts and a public record that was listed. 

I formally asked these 3 Credit Bureau 's to legally investigate and verify the inaccurate information being reported on my credit files but all 3 have failed to do just that. I've been disputing these inaccuracies for the last 4 months with no resolution of the inaccurate information being reported in my credit files. 

The inaccuracies being reported are listed below by Credit Bureau 's : XXXX Chapter XXXX bankruptcy File Date Of : XX/XX/XXXX Ref # : XXXX XX/XX/XXXX Unknown Creditor : XXXX Date Opened : XX/XX/XXXX Amount : {$120.00} State Collections : Account # : XXXX Amount : {$410.00} State Collections : Account # XXXX Amount : {$1100.00} EXPERIAN Chapter XXXX Bankruptcy File Date Of : XX/XX/XXXX Ref # : XXXX State Collections : Account # : XXXX Amount : {$410.00} State Collections : Account # XXXX Amount : {$1100.00} XXXX Chapter XXXX Bankruptcy File Date Of : XX/XX/XXXX Ref # : XXXX State Collections : Account # : XXXX Amount : {$410.00} State Collections : Account # XXXX Amount : {$1100.00}

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 2019-03-20 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: WA

Complaint narrative:
I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX My only employer is : XXXX XXXX XXXX Employed on XX/XX/XXXX to Present I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate.

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 2019-03-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: MN

Complaint narrative:
Ive had my savings account with US BANK since XX/XX/2009 and have never been advised of the federal regulation D which states I can only make up to 6 transactions with my savings account otherwise Ill be charged a fee. It has almost been 10 years that I have had this account and no one has mentioned this detail. Also, while using their app to transfer the funds there is no warning to me as a client that a fee may be assessed after the 6th transaction. I was charged {$30.00} total, so I made XXXX transactions within this cycle. When I called to have this refunded and stated I had no idea, they refused. It should be the banks job to provide this information to their clients. I dont work in the banking world and I was not aware of this law when I was XXXX years old.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: WA

Complaint narrative:
I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX My only employer is : XXXX XXXX XXXX Employed on XX/XX/XXXX to Present I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX My only employer is : United States XXXX Employed on XX/XX/XXXX to Present I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I took out a small XXXX loan from this company in XX/XX/XXXX for XXXX work. They charged my XXXX XXXX   account automatically every month for 3 years. They were always paid on time because it was automatically drafted. When I found they were still charging me well after it was paid off I contacted them and they did it again. Then i submitted the bank statements for 3 years to them and their accounting department that was located in another state. Supervisors worked on my file, apologized and promised me repeatedly, that they would send the message to stop reporting negatively on my creidt report and I did in fact have a zero balance.They would because my bank statements proved i was never even late yet this company kept calling and reporting me late. They finally stopped calling but its still reporting late, chargeoff and it should not be. I paid this on time in full for 3 years. If anything they actually owe me money because I overpaid for months and didnt even realize it. 

Account Name SYNCB/CARE CREDIT Account Number XXXX Account Type Charge Card Date Opened XX/XX/XXXX Status Closed. {$1000.00} written off. 
Status Updated XX/XX/XXXX Balance {$0.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Credit Limit {$800.00} Highest Balance {$1000.00} Terms NA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FIRST ADVANTAGE CORPORATION
State: PA

Complaint narrative:
First Advantage did a background for XXXX on me, and found that my social security number suposinlgy, isn't mines. I just did another background check with another agency for another position along with this work @ home, XXXX position. It was just fine. I used the same social security card as I have used all of my life. What I am being informed just isn't making sense ... The letter I was mailed by First Advantage, Consumer is stating a law, without stating what the law is that made me ineligible. Please, have this investigated. 
I have already had alerts put on my credit reports alomng with other actions taken. I wold really appreciate if XXXX can have this cleared up, so I can continue to enroll in a XXXX course for their work at home positions. My questions are where did " First Advatage, Consumer '' get their information from that they  passed on to XXXX? 

Also, I would like to have it investigated to be sure no one is using my soical security number especially from any former addresses. Have reported & issued freeze on my credit reports. Please, also make sure ntohing else was done with my social security number especially form a XXXX XXXX XXXX XXXX, XXXX, PA XXXX address. I wasinformed about possibly, having property in my name. I would be a 1st time home buyer, if I ever decide to buy a home. I do not own any property. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient systematically misallocates my funds. I owe {$24000.00} and my balance never changes. I keep making payments of {$500.00} - {$560.00} a month ; but my balance remains the same. 
I asked Navient multiple times to send me detailed repayment history of my loan and the way funds have been applied to my balance each month. Navient systematically refuses to provide such information as the people answering calls always say something different. 
I believe that if I do not find a way to get Navient to send me the formal loan repayment history I will be in repayment all my life. 
How can I get help and some sort of relief from Navient?

Company response to consumer: Closed with explanation