vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-15 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: IN

Complaint narrative:
Consumer complaint narrative I pulled my Experian credit report and noticed they have 4 variations of my name and some of them are spelled incorrectly. They are listing 3 addresses and two of them are no longer deliverable by the United States Postal Service. I sent a letter to have them update my information to show my correct name and address and to remove all other variations. I received a response to go track down whoever is reporting these incorrect names & addresses. As a credit reporting agency they are suppose to validate that the information they are reporting is correct. If they are allowing someone to report on my credit report an incorrect name and address they are putting me at risk for identity fraud. The other credit reporting companies had no problem updating my information and removing all others. I am not going to chase down 9 different companies to find out who is reporting my information incorrectly. If they are receiving information for my credit file that does not have my correct information than that is not my debt. It is their responsibility to make sure its correct. They should be updating my information to reflect what is true and correct so I can not be liable for a debt that is not mine, so I am protected from identity theft. As a credit reporting agency it is their duty to validate and make sure the information they are receiving is valid, verified, and make sure that it belongs to me. Not just take anyone 's word and post whatever someone reports to them. I want all my information updated, corrected and all other variations removed. They are putting me at risk, they are hurting me and my credit report, they are allowing things to be reported that may not be mine if its not my information. I have one name given at birth, I have one birth date, I have one address that is deliverable by the United States Postal Service. Please help me to get this fixed.

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 2018-04-15 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: IN

Complaint narrative:
Consumer complaint narrative I pulled my XXXX credit report and noticed they have 4 variations of my name and some of them are spelled incorrectly. They are listing 3 addresses and two of them are no longer deliverable by the United States Postal Service. I sent a letter to have them update my information to show my correct name and address and to remove all other variations. I received a response to go track down whoever is reporting these incorrect names & addresses. As a credit reporting agency they are suppose to validate that the information they are reporting is correct. If they are allowing someone to report on my credit report an incorrect name and address they are putting me at risk for identity fraud. The other credit reporting companies had no problem updating my information and removing all others. I am not going to chase down 9 different companies to find out who is reporting my information incorrectly. If they are receiving information for my credit file that does not have my correct information than that is not my debt. It is their responsibility to make sure its correct. They should be updating my information to reflect what is true and correct so I can not be liable for a debt that is not mine, so I am protected from identity theft. As a credit reporting agency it is their duty to validate and make sure the information they are receiving is valid, verified, and make sure that it belongs to me. Not just take anyone 's word and post whatever someone reports to them. I want all my information updated, corrected and all other variations removed. They are putting me at risk, they are hurting me and my credit report, they are allowing things to be reported that may not be mine if its not my information. I have one name given at birth, I have one birth date, I have one address that is deliverable by the United States Postal Service. Please help me to get this fixed.

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 2018-04-15 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: IN

Complaint narrative:
Consumer complaint narrative I pulled my XXXX credit report and noticed they have 4 variations of my name and some of them are spelled incorrectly. They are listing 3 addresses and two of them are no longer deliverable by the United States Postal Service. I sent a letter to have them update my information to show my correct name and address and to remove all other variations. I received a response to go track down whoever is reporting these incorrect names & addresses. As a credit reporting agency they are suppose to validate that the information they are reporting is correct. If they are allowing someone to report on my credit report an incorrect name and address they are putting me at risk for identity fraud. The other credit reporting companies had no problem updating my information and removing all others. I am not going to chase down 9 different companies to find out who is reporting my information incorrectly. If they are receiving information for my credit file that does not have my correct information than that is not my debt. It is their responsibility to make sure its correct. They should be updating my information to reflect what is true and correct so I can not be liable for a debt that is not mine, so I am protected from identity theft. As a credit reporting agency it is their duty to validate and make sure the information they are receiving is valid, verified, and make sure that it belongs to me. Not just take anyone 's word and post whatever someone reports to them. I want all my information updated, corrected and all other variations removed. They are putting me at risk, they are hurting me and my credit report, they are allowing things to be reported that may not be mine if its not my information. I have one name given at birth, I have one birth date, I have one address that is deliverable by the United States Postal Service. Please help me to get this fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-15 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: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I mailed off certified letters to the following credit bureaus Experian, XXXX, XXXX. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX FL for court located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX at XXXX XXXX on XX/XX/XXXX. Inaccurate address, inaccurate accounts, unauthorized inquiries. 
A : ERRORS INACCURATE ACCOUNTS 1. XXXX XXXX XX/XX/XXXX 2.  XXXX XXXX XX/XX/XXXX 3. XXXX XXXX 4. XXXX XXXX XX/XX/XXXX 5.  XXXX XXXX XXXX XXXX B : UNAUTHORIZED INQUIRIES 1. XXXX 2.  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 non-monetary relief
Consumer complaint received 2018-04-15 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:
XXXX XXXX XXXX XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I mailed off certified letters to the following credit bureaus XXXX, XXXX, TransUnion. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX FL for court located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX at XXXX XXXX on XX/XX/XXXX. Inaccurate address, inaccurate accounts, unauthorized inquiries. 
A : ERRORS INACCURATE ACCOUNTS 1. XXXX XXXX XX/XX/XXXX 2.  XXXX XXXX XX/XX/XXXX 3. XXXX XXXX 4. XXXX XXXX XX/XX/XXXX 5.  XXXX XXXX XXXX XXXX B : UNAUTHORIZED INQUIRIES 1. XXXX 2.  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 2018-04-15 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:
XXXX XXXX XXXX XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I mailed off certified letters to the following credit bureaus XXXX, Equifax, XXXX. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX FL for court located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX at XXXX XXXX on XX/XX/XXXX. Inaccurate address, inaccurate accounts, unauthorized inquiries. 
A : ERRORS INACCURATE ACCOUNTS 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XXXX B : UNAUTHORIZED INQUIRIES 1. XXXX 2. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Im trying to set up a XXXX account but Capital One wont enable them to access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I qualify for an Income-Driven Repayment plan, and have been making consistent payments under that plan. I received correspondence from Navient on the following dates with the following notifications : XX/XX/XXXX : I needed to apply for REPAYE renewal by XX/XX/XXXX or a new ( non-reduced ) payment would be charged starting XX/XX/XXXX. 
XX/XX/XXXX : My electronic IDR renewal application was received. 
XX/XX/XXXX : My IDR renewal application was approved. 
XX/XX/XXXX : My request for REPAYE was approved. 
XX/XX/XXXX : Beginning on XX/XX/XXXX, a new reduced monthly payment would be debited from my designated bank account. 

I assumed that there would be no gap in reduced payments, as this is the clear implication of this correspondence. However, on XX/XX/XXXX, Navient billed me an amount equal to 5 times my reduced payment. 

Because my account is on AutoPay and I saw debits being made, I did not notice that my account was past due until now. In reviewing the correspondence, I see that one of the  XX/XX/XXXX letters states that my REPAYE plan will run from XX/XX/XXXX through XX/XX/XXXX. This is not a 12-month plan, as the same letter states. 

I believe this is an error at best, and at worst, a continued pattern of deceptive communications. I would like to have the overbilling and resulting late fees/charges removed from my account so that it shows as in good standing with no negative affect on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC
State: NC

Complaint narrative:
Thursday - XX/XX/XXXX -- In response to a direct mail invitation, I contacted XXXX XXXX XXXX about the possibility of securing a loan. I voluntarily gave the Account Executive background information that would have been needed to apply for the loan. 

At the end of the conversation, I implicitly told the Account Executive that I did not want to proceed any further than the phone conversation at that point. Before advancing any further, I wanted to talk to my husband. 

That evening I discovered that a credit inquiry was made on our credit reports. This was done even though I specifically requested no further action. In addition, one of their statements on another website : " New Day is required to reach out to the spouse, as well, in order to confirm their intent to be part of the application. '' At no time did they reach out to my husband, yet they did pull his credit report. 

I immediately contacted the Account Executive and he said I had given them approval to pull a credit report. I firmly told him that my request to hold everything until further notice at the end of our conversation was proof that he should not have proceeded any further with our application process. 

He also wrote back a sarcastic email ( almost bullying ) that : " Hopefully you will be able to address your current $ xx, xxx of credit card debt on your own and avoid another short sale situation. '' This was unnecessary harassment. My application was withdrawn and his manager called me. 

Friday - XX/XX/XXXX -- I told the same thing to his manager that the process should not have proceeded to a credit report. He insisted that I gave my permission to do so. He also told me that the hard credit inquiry was no big deal, unless we were going for an auto loan. I immediately told him that was exactly what we were planning to do on the following Sunday, which is why I specifically told them to HOLD the application. After a brief conversation, he said I would be contacted by a Compliance Officer. I am still waiting for that to happen. 

Saturday - XX/XX/XXXX -- Sent a Certified Letter to New Day asking them to withdraw the credit inquiries. 

I feel the company should be marked as one that is dangerous to deal with since their Account Executive wrote an email that was high pressure and belittling. In addition, the manager I spoke with tried to trivialize the fact that a hard inquiry was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 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: CA

Complaint narrative:
It appear that Experian has not taken the time to properly review what is it that the request for an investigation for a charge off account reported to my credit file to which I have been very specific to what issues are that need to be corrected as there has been many violation of the FCRA that the creditor was engage in doing when reported to the credti bureau.. 

In result the credit bureau have the prove that infact the crteditor has been reporting inancurate information that have taken place after the account is reported a a charged off the following are the issue and I have enclso the documents records to support my request. 

XXXX continue to re-age the account by not reporting the actual date when the account first delinquietn month and then the month to which the account was charged off XXXX has reported on a monthly base that the account has been charged off to reflect the most damage to my credit file that the account has been charged off month after month When creditor report the account as a charged off it isa one time reporting and the date reported is final meaning that not reporting the date when it happen and them use a current date as when reported is re-aging this record no allowing the negative records to be lesss damaging as time goes, so this is a violation and violation of your part for allowing this to happen ' The fact that is charged off the need to paid the debt is stil valid, what I am disputing here is what when on taht creditor did when reported monthly after the date of charged off took place but again that date was not reported until now ..but for almost two year did not so the record need to be remove Charged off account can not have a late payment the account is closed so explain to me how is it that they report acount been late 30-60-90 be late and be chrged of at the same time this in incorrect. 

You need to know whoever review this what can not changed and what information can be update on a charged off account

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 2018-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: OK

Complaint narrative:
i disputed this account over 2 years ago with XXXX ask them to validate this debt they where unable to and removed it from credit reports, Now a collection company name XXXX XXXX XXXX, just placed a collection account on my credit reports, have not received any notice from them and giving me the right to dispute this debt, i dont owe XXXX any money nor have an account with XXXX. 
I AM now asking that XXXX XXXX to provide me a contract with my signature and the amount they have reported to the credit bureaus with out notice to me, an itemized statement from XXXX or XXXX does not represent verification under FTC Opinion letter : ive lived here over to years so my address is known. 
upon the results will determine if i file civil suite against this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-15 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: FL

Complaint narrative:
I have contacted Equifax 4 times trying to resolve the issues with my personal information and addresses that do NOT belong to me. Under the FAIR CREDIT REPORTING ACT, they did NOT use reasonable procedures to TOTALLY verify the information they are receiving from their clients who FURNISH the information! They are REPORTING INFORMATION THAT does NOT belong to me and REPORTING INACCURATE information.

Company response to consumer: Closed with non-monetary relief