vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-08 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: SC

Complaint narrative:
I have submitted disputes letters over the past 6 months. I requested for verification and validation of the accounts by providing the contracts they on file. The agencies did responded to my request nor any the remaining of accounts were not deleted

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 2018-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: SC

Complaint narrative:
Mid West Recovery is reporting a collections account which is not my account. I only had one account with XXXX account in collections and it is being reported through XXXX XXXX so XXXX is reporting double on my credit report.The account that Mid West Recovery has for {$570.00} does not belong to me it is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 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: IL

Complaint narrative:
Im disputing XXXX Account # XXXX. The reason for the dispute is because I requested directly from the Furnisher XXXX XXXX on the date of XX/XX/2018 for validation of debt. They failed to provide that information in the proper time frame of 30 days. Also the proper repossession paperwork has still not been produced to me. Im in the process of failing a claim with the Attorney General Office and also filing a lawsuit against XXXX XXXX if they will not comply with my request for the violation of my rights. Now the problem Im having with the CRAs are as follows. According to the FCRA RULE 623 ( a ) ( 3 ) the furnisher must Report to the CRAs items are in dispute by consumer. On my credit report XXXX didnt report this information so this is violation number one. On my credit report it reports different open dates for the same account to each CRA. This account also report different month terms between each CRA. High credit balance is different for each CRA. Last reporting date is different for each CRA. Also date of last activity different between each CRA. Last payment different as well. Furnisher rule 660.4 ( e ) says inaccurate date and payment activity and account activity is a violation. This account has to be removed by the CRA because this is beyond just a validation of debt by furnisher issue. The furnisher kept very poor records I have all supporting and necessary proof and paperwork to support my claims. If you as the CRA continues to report these information. The CRA will be willfully and knowingly reporting inaccurate information. Which is violation FCRA ACT section 1681s-2 ( a ). 

Attached documentation are as follow CFPB first dispute to XXXX XXXX. 
Follow up letter to XXXX XXXX from me. 
Credit Report showing the 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 2018-09-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Enterprise Systems, Inc.
State: IN

Complaint narrative:
I took out a private loan with XXXX XXXX for my daughter when she was in college at XXXX XXXX for {$12000.00}. I took out the loan in XXXX made regular payments for an original loan amount of {$12000.00} beginning in XXXX XXXX when the loan was charged off by XXXX XXXX XXXX XXXX on XX/XX/XXXX due to my bankruptcy filing in XX/XX/XXXX. 
The bankruptcy was dismissed in XX/XX/XXXX. Except for that time I have paid faithfully every month. So, why is the amount I owe basically higher. 

At one point, the account number was originally XXXX. Then it was changed to XXXX. I have not been credited for all payments to both accounts. 

I am sending two correspondences from NES. One dated XX/XX/XXXX with a balance of {$17000.00} and another dated XX/XX/XXXX with a balance of {$17000.00}. What happened to all my previous payments up until XXXX and my payments since XXXX-present? 
I have proof of payments, so my balance should be much lower. 

I sent a letter asking for a printout of ALL payments for this account, but only received the letter stating the balance.

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 2018-09-08 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XX/XX/2018, I had fallen behind on my loan payments. i finally was able to recover in XX/XX/2018 and become current on my loan. I have disputed with transition and XXXX XXXX XXXX multiple times as my credit score has not been updated since XX/XX/2018. I am current on my loan payments today, XX/XX/2018 however XXXX XXXX XXXX is reporting I am now 60-89 days late. I applied for a lease in XX/XX/2018 and was denied as the loan was reporting 60 days late. Thus, resulting in a major loss of income as this was a business lease. I have called several times asking for this issue to be resolved with XXXX XXXX brushing this off and telling me " They can not do anything and Ill have to wait until the system automatically updates. '' Well, it hasn't updated since XX/XX/2018 and we are now at XX/XX/2018. I have filed a complaint with Transunion who did not do a thorough investigation because had they, they would have found my loan current, and updated the information. 
I feel XXXX XXXX XXXX  is maliciously reporting erroneous information to discriminate against me as my loan had been past due in the past. I did tell them when pleading to update my loan status that I was unable to get a loan with the incorrect information on my credit report.

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 2018-09-08 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: IL

Complaint narrative:
Im disputing XXXX Account # XXXX. The reason for the dispute is because I requested directly from the Furnisher XXXX XXXX on the date of XX/XX/2018 for validation of debt. They failed to provide that information in the proper time frame of 30 days. Also the proper repossession paperwork has still not been produced to me. Im in the process of failing a claim with the Attorney General Office and also filing a lawsuit against XXXX XXXX if they will not comply with my request for the violation of my rights. Now the problem Im having with the CRAs are as follows. According to the FCRA RULE 623 ( a ) ( 3 ) the furnisher must Report to the CRAs items are in dispute by consumer. On my credit report XXXX didnt report this information so this is violation number one. On my credit report it reports different open dates for the same account to each CRA. This account also report different month terms between each CRA. High credit balance is different for each CRA. Last reporting date is different for each CRA. Also date of last activity different between each CRA. Last payment different as well. Furnisher rule 660.4 ( e ) says inaccurate date and payment activity and account activity is a violation. This account has to be removed by the CRA because this is beyond just a validation of debt by furnisher issue. The furnisher kept very poor records I have all supporting and necessary proof and paperwork to support my claims. If you as the CRA continues to report these information. The CRA will be willfully and knowingly reporting inaccurate information. Which is violation FCRA ACT section 1681s-2 ( a ).

Attached documentation are as follow CFPB first dispute to XXXX XXXX. 
Follow up letter to XXXX XXXX from me. 
Credit Report showing the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I've filed a dispute with XXXX and Experian requested an investigation on collection transactions filed against my credit report from XXXX XXXX XXXX XXXX, whom has violated the FCDPA law, reporting an old debt that is more than 12 years old. According to FCRA law, consumer reporting agencies may not report outdated negative information that is more than 7 years old, which in this case the debts were 12 years old. 

The consumer reporting agencies did not investigate this matter, they simply sent me a letter stated " Information verified as accurate '', which did not resolve the issue. 

According to FCRA law, I demanded that the consumer agencies to remove the collection accounts from my credit report that were filed by XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
A person from Midland Credir has called my number several times asking for a person named XXXX. I have politely told him that there is no one here with that name. He says he will not call back but a week or two later he calls back. The most recent call occurred XX/XX/2018 at XXXX PM. The caller identified the caller as being Midland Credit. The calling number was XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-08 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: WI

Complaint narrative:
Equifax completed its investigation of disputed account information that I submitted. While I appreciate the removal of multiple accounts I had no knowledge of, there were three accounts verified. I am confused as to how Equifax could have verified the account information when I, myself, have contacted XXXX XXXX on multiple occasions and received no response. Once was through direct mail, the other through the Consumer Financial Protection Bureau. XXXX XXXX now only appears on my Equifax report. Neither XXXX  or XXXX were able to verify the information XXXX XXXX provided and deleted the erroneous information from my files. 

On XX/XX/XXXX I sent a request for validation XXXX XXXX.. Pursuant of the FCRA and FDCPA I demanded a cease of collection activity until validation of the debt occurred. The company never sent the proof of debt validation but they continue to report the erroneous information. For your convenience I have included a copy of the deletion transcript provided by XXXX and XXXX. Since three other parties have tried to verify the information supplied by XXXX XXXX, I would like to know a detailed description of how Equifax, verified the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 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: Screening Reports Inc.
State: WI

Complaint narrative:
On XX/XX/2018 Scrng Reports made a hard inquiry on my XXXX credit report without my authorization. On XX/XX/2018 XXXX  confirmed there was a fraud alert placed on my file which would require additional verification prior to accessing my file. I have no idea what Scrng Reports is or why they accessed my file but it was done without my authorization. Please remove this inquiry immediately. I have been working to remedy the effects of Identity Theft and I am afraid this was the result of someone who has my information and is deciding to use it again. Please also place an extended fraud alert on my file to prevent access to my information

Company response to consumer: Untimely response
Consumer complaint received 2018-09-08 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: NC

Complaint narrative:
I have disputed the incorrect information that Equifax is purposely continuing to report negatively on my credit reports, stopping me from being to buy a home. Because Equifax is still reporting the closed accounts in which I have paid in full they are still reporting 120 days which has dropped my credit score 50 points. These student loans are closed and paid in full. I have spoke to the original debtors and they told me that they have not reported in over a year since the accounts were paid, so it is Equifax who is the ones reporting negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XX/XX/2018 XXXX XXXX made a hard inquiry on my TransUnion credit report without my authorization. On XX/XX/2018 TransUnion confirmed there was a fraud alert placed on my file which would require additional verification prior to accessing my file. I have no idea what XXXX XXXX is or why they accessed my file but it was done without my authorization. Please remove this inquiry immediately. I have been working to remedy the effects of Identity Theft and I am afraid this was the result of someone who has my information and is deciding to use it again. Please also place an extended fraud alert on my file to prevent access to my 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 2018-09-08 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: VA

Complaint narrative:
My problem is with XXXX XXXX XXXX in North Carolina. Due to a glitch in thier upgrade to their software Credit Cards and Lines of Credit were appearing as " nothing due at this time ''. And i never received any calls or notices regarding my line of credit and credit card with them. 
After approximately 3 or 4 months i received a call from the Bank inquiring about no payments. I was told this is a glitch in their system and thet a monthly payment was due. I immediately paid the amount they requested over the phone. 
They immediately then reported this to the credit bureaus. i then was notified that they were closing my credit card account. I attempted for more than 6 months to attempt to close my bank account via fax, email and hiring an attorney. The account appears " disabled '' still today. I've been requesting this bank account to be closed for more than a year. 
They need to remove this from my credit report. Because of their " glitch '' in thier system my bill was reporting " nothing due at this time '' for more than 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 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: WI

Complaint narrative:
On XX/XX/2018, I submitted a written dispute to Experian. While they addressed my most of my concerns and removed the accounts that I had no knowledge of, there is one account that I disputed that is still showing on my report and does not appear to have been investigated. While I am certain it is merely an oversight, I do need the account with XXXX XXXX removed from my credit reports immediately. I have contacted the creditor directly and they have been unable to provide any form of debt validation or verification of the debt. For your convenience and swift processing, I have included a copy of my original dispute letter and a copy of my results from XXXX showing that they also deleted this erroneous account from my credit reports after further investigating the matter.

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 2018-09-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/2018, after 3 year lease, I returned my vehicle as instructed by the the bank and dealership where I leased from. The finance person at dealership stated that I have a " lease protection plan '' which I knew it. I returned the vehicle in good conditions and way under mileage, XXXX miles not driven. But on XX/XX/2018, the bank took possession of the car, subsequently sent me a bill of {$1500.00}. Stating that the has damages, excess wear and tear, etc ... This is outrageous and lack of moral. I have the report from the dealership the car has no damages, except for a minor scratch on the front bumper that won't exceed {$350.00}. Even though that I have a lease protection, still the want to collect more money. I told them that, I pay what I owe, NOT what I don't..Now they're threaten me with negative credit report. Please I need help to stop this institution committing fraud against me.

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 2018-09-08 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: FIRST CITIZENS BANCSHARES, INC.
State: VA

Complaint narrative:
My problem is with First Citizens Bank in North Carolina. Due to a glitch in thier upgrade to their software Credit Cards and Lines of Credit were appearing as " nothing due at this time ''. And i never received any calls or notices regarding my line of credit and credit card with them. 
After approximately 3 or 4 months i received a call from the Bank inquiring about no payments. I was told this is a glitch in their system and thet a monthly payment was due. I immediately paid the amount they requested over the phone. 
They immediately then reported this to the credit bureaus. i then was notified that they were closing my credit card account. I attempted for more than 6 months to attempt to close my bank account via fax, email and hiring an attorney. The account appears " disabled '' still today. I've been requesting this bank account to be closed for more than a year. 
They need to remove this from my credit report. Because of their " glitch '' in thier system my bill was reporting " nothing due at this time '' for more than 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/18 a fraudulent {$160.00} charge by merchant XXXX XXXX XXXX   XXXX NY was made to my Citi Mastercard account. On XX/XX/18 when my monthly statement arrived, the fraudulent charge was discovered and an online dispute ID : XXXX with Citi was opened. On XX/XX/18 I received a letter from Citi, backdated to XX/XX/18, stating that it would not reverse the fraudulent charge.

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 2018-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CL Holdings LLC
State: OH

Complaint narrative:
I was called and I told them how I recieve no income and they said to me I had option to pay to take away debt after me telling them I was a XXXX vet and on my credit report it shows how the account is closed however I have an email from 2018 where it js from XXXX XXXX asking me to pay off the debt and they will not take it off of my credit without ever showing me proof from anywhere that i owe it. On my credit report XXXX. States thats an attorney has been assigned to this account and it is closed but yet I have recieved a call and after a couple disputes with them knowing they can not sue me they added more verbage such as seriously and very bad assigned to attorney after I made two attempts for then to please take it off of my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
They just KEEP calling, even before XXXX. Latest was XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Recovery Services, LLC
State: PA

Complaint narrative:
I do not have or owe a debt to Receivable Recovery Services LLC. 

I asked for a signed contract with my signature and personal information to prove that I have a " relationship '' with them. 

I asked Receivable Recovery Services for ANY evidence of this " apparent '' debt from the original debtor ( in which I do not owe them ). I asked for verification and any signed original documents with the apparent creditor. 

I have not received ANY of the above mentioned items.

Company response to consumer: Closed with explanation