vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-17 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: IL

Complaint narrative:
I have a public record & XXXX XXXX  entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is  involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical  documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2019-05-17 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: IL

Complaint narrative:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my XXXX dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2019-05-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX D.O.B : XX/XX/XXXX I have been a victim of Identity Theft. To protect myself from further harm, I have filed a police Identity Theft report. These fraudulent accounts were not authorized by me. 
I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : Please update, modify or remove any account that is not reporting with 100 % accuracy. I have been a victim of Identity Theft. To protect myself from further harm, I have filed a police Identity Theft report. These fraudulent accounts were not authorized by me. I am writing to dispute the following information on my file. I recently learned that my personal information was used to open an account. I pulled a copy of my credit report and noticed a fraudulent account. 
I demand the following accounts be corrected or removed immediately. I noticed problems with the following accounts are fraudulent : XXXX/XXXX   Account : XXXX Reason : Fraudulent Account Date Open:XX/XX/XXXX XXXX  XXXX/XXXX Account : XXXX Reason : Fraudulent Account Date Open:XX/XX/XXXX XXXX/XXXX  Account : XXXX Reason : Fraudulent Account Date Open:XX/XX/XXXX XXXX/XXXX   Account : XXXX Reason : Fraudulent Account Date Open:XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PRESTIGE FINANCIAL SERVICES INC
State: PA

Complaint narrative:
I've made several attempts to correct the issue with Prestige Company. Company stated applied for a vehicle on XX/XX/2018 from XXXX XXXX and XXXX XXXX XXXX. Made contact with both companies with certified mail and they failed to comply according to FCRA. Prestige continue to report Hard inquiries on report. Requested hard copy and continue to get letters not complying to guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Amount deducted from escrow account for property tax payment is different to the amount actually paid to Tax Collector. Lender stated on prior complaint 's response letter that they needed until XX/XX/19 to resolve the issue. Deadline has passed and lender has not resolved the issue. Escrow account still shows incorrect amount of payment made to Tax Collector for property tax and it has not been credited for the difference, {$660.00}.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: NY

Complaint narrative:
AFTER REVIEWING MY ANNUAL CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT WERE PLACED ON MY CREDIT FILE. PLEASE BE AWARE THAT THOSE ACCOUNTS WERE PLACED WITHOUT MY KNOWLEDGE AND ARE REPORTING AS DEROGATORY ACCOUNTS. I URGE YOU TO PROMPTLY UPDATE YOUR CREDIT RECORDS AND CORRECT YOUR REPORTING INACCURACIES ON MY CREDIT FILE FOR I AM NOT LIABLE TO THOSE DEBTS. 

I DISPUTE THOSE ACCOUNTS IN ITS ENTIRETY AND I KINDLY ASK THAT THE NEGATIVE ENTRIES YOU'RE REPORTING BE INVESTIGATED AND DELETED FROM MY REPORT AS SOON AS POSSIBLE TO PREVENT ANY FURTHER DAMAGE ON MY CREDIT FILE AND OTHER ENTRIES SUCH AS LATE PAYMENTS OR CHARGE OFF SHOULD BE PURGED FROM MY CREDIT FILES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17 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: NV

Complaint narrative:
I sent a dispute letter to XXXX on XX/XX/2019 informing that the information regarding these accounts is inaccurate : XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX   ; XXXX XXXX XXXX ; XXXX. Their reports listed errors in payment amount, payment history, status date, closed date and charge off for XXXX XXXX XXXX ; XXXX ; XXXX & XXXX XXXX XXXX. They deleted XXXX XXXX XXXX XXXX. 

When they sent their Disputes Result # XXXX of XX/XX/2019, they actually changed information from the report in which I found the inaccuracies ( report # XXXX of XX/XX/2019 ).

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 2019-05-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GCFS, INC.
State: CA

Complaint narrative:
I received a signature loan from XXXX XXXX in the amount of {$2600.00} in XX/XX/XXXX after paying {$200.00} a month for 18 months my Bal. Due. was STILL {$2400.00} after several attempts to resolve this balance dispute with XXXX XXXX. I decided to seek legal assistance I never heard from XXXX XXXX again, in XX/XX/XXXX I sold a house, about 8 months later I was going through the paperwork from the sale of the house and noticed a payment made to Greater California financial services Inc. for the amount of {$4300.00}, when researching the payment I found out it was for the XXXX XXXX account, when I contacted Greater California Financial Services Inc. ( here-forth known as GCFS Inc. ) and ask them to provide documentation giving them authorization to collect this Debt. ( I.E. contracts of any kind ) the Representative of this company ( XXXX XXXX ) who I believe is the owner, became very belligerent with me, talked down to me and said to me that if I had payed my bill he wouldn't have had to collect such a payment and then informed me that I still owed another {$2000.00} for interest and court cost, while never providing any contracts. I just got a letter dated XX/XX/XXXX that states my balance due now is {$2500.00} ( interest & court cost ) on a Signature Loan from XX/XX/XXXXof {$2600.00} that was paid on for 18 months ( at {$200.00} a month ) and after this company STOLE {$4300.00} from me or should I say after XXXX XXXX STOLE {$4300.00} from me he now wants another {$2500.00} after 15 YEARS there is no way this can be legal. Please help me resolve this Thank You.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hi this is XXXX XXXX. I have XXXX in my capital one account. I called capital one on XX/XX/XXXX in the morning and the lady said that the department who restrict your account they do not want to talk to you. You can only leave the voice mail. It is been 3 weeks they restricted my account. They are holding me money for no reason. They are intentionally making me suffer. I live in XXXX and I even offered them that I can go to XXXX XXXX XXXX in CapitalOne branch personally they said no it is online account. The capital one can not assist u in the branch. First, they asked me to send them my ID which I did on XX/XX/XXXX but still they did not open my account. They did not leave any option for me to cooperate with them in this regard. Why I have to call capital one and need to beg for my money. I strongly believe that they are discriminating me and making me suffer by holding me money. Please assist me how I can I take to court?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: ID

Complaint narrative:
XXXX account became past due in XXXX and was sent to collections. XXXX it was removed from my credit report as charge off. It the re-appeared on my credit report under XXXX XXXX  and is reflecting a debt date of XX/XX/XXXX. When I called XXXX XXXX I had to call a different number to talk to anybody about my account because it was being handled by an outside source.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: PA

Complaint narrative:
Security credit services reported a collection onto my credit XXXX of 2017 for something call tempo. I never received anything from them, but at the time did not know my rights to dispute, or request validation. A few months ago I filed a dispute and received what appears to be a print out of some form of contract from XXXX. First this does validate a debt. Its not the original contract with my signature. 

So over the past 3 months Ive called security credit services multiple times. Just trying to have a general conversation about the debt. Such as when the actual debt occurred because there hasnt been a sears around me for almost 4-5 years, so the 2017 date they have listed is nonsense. But once again I called to have a conversation about this alleged debt and I can not get anyone to answer during their normal business hours, or anyone to call me back from the messages I left. If your companies business model is to make money, why wouldnt you answer the phone? 

A quick search into their XXXX complaints shows this is a constant pattern with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: NY

Complaint narrative:
AFTER REVIEWING MY ANNUAL CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT WERE PLACED ON MY CREDIT FILE. PLEASE BE AWARE THAT THOSE ACCOUNTS WERE PLACED WITHOUT MY KNOWLEDGE AND ARE REPORTING AS DEROGATORY ACCOUNTS. I URGE YOU TO PROMPTLY UPDATE YOUR CREDIT RECORDS AND CORRECT YOUR REPORTING INACCURACIES ON MY CREDIT FILE FOR I AM NO LONGER LIABLE TO THOSE DEBTS. 
I DISPUTE THOSE ACCOUNTS IN ITS ENTIRETY AND I KINDLY ASK THAT THE NEGATIVE ENTRIES YOU'RE REPORTING BE INVESTIGATED AND DELETED FROM MY REPORT AS SOON AS POSSIBLE TO PREVENT ANY FURTHER DAMAGE ON MY CREDIT FILE AND OTHER ENTRIES SUCH AS LATE PAYMENTS OR CHARGE OFF SHOULD BE PURGED FROM MY CREDIT FILES.

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 2019-05-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: TX

Complaint narrative:
The company we applied for a loan for a car repair says that they havent received a payment for 45 days, at least, when we have made multiple payments. Its not being reported to my credit account and the payments are going through without fail. We have contacted XXXX XXXX XXXX ( which is owned by Duvera ) and told them this but in the past we were put on hold for up to three hours without being connected to someone and we hung up out of pure frustration. When last contacted we were told that the account is past due even when they had charged us the day they contacted us and days prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: TN

Complaint narrative:
I XXXX XXXX XXXX RETURNED THE EQUIPMENT THAT WAS LEFT WHEN I STOP MY SERVICE WITH XXXX AND THEY ADDED ALL THESE LATE FEES AND EQUIPMENT CHARGES TO MY ACCOUNT AND I HAD TO TAKE THE EQUIPMENT AND SEND IT OFF THROUGH XXXX   AND I DO NOT SUPPOSE TO HAVE A BILL WITH THEM AT ALL I CHECKED MY CREDIT REPORT AND O HAVE THIS ON MY CREDIT REPORT THAT IS INCORRECT AND NEEDS TO BE DELETED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : I have recently obtained a copy of my credit file with your Equifax and I note that there is negative information being reported by XXXX XXXX XXXX XXXX XXXX, XXXX, Upon reviewing my credit report, I see an account listed as charged off and missed payments. 

I challenge the accuracy, compliance, and reportability of this listing. 

Please validate this information with ( name of creditor, collection agency, or court ) and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security Number. 

Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful records of your actions, including your Method Of Verification. I do not consent to e-Oscar or any other means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action of against your company seeking {$1000.00} per violation for 1 ) defamation, 2 ) negligent enablement of Identity Fraud, and 3 ) violations of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I had a hardship in my life and my financials werent right. I couldnt pay for basically anything and became dependent on my parents and since they had too much on their plate I couldnt ask them for help for my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
o my XXXX. I am a victim of identity theft. I have fraudulent accounts and inquiry 's I did not make. please block these accounts from my credit report thankyou. contact me in evenings. XXXX XXXX fraudulent accounts XXXX XXXX XXXX XXXX XXXX BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX 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 2019-05-17 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: MO

Complaint narrative:
I have submitted many disputes due to errors on my credit report. The errors were invalid dates, incorrect amounts or two companies reporting the same debt even after it was sold. I have received notifications that the credit reporting agency ( experian ) fixed the error and updated the accounts or that they were correct. They still had incorrect information. I called the reporting agency and spoke to an agent who, after opening my file, said he can't speak to me about my file before handing up on me. I called back and spoke to another agent, who, after I explained the problem, also hung up. One example, XXXX XXXX, they claim was opened in 2015. It was not. Wrong dates!!!

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 2019-05-17 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: OH

Complaint narrative:
I was just getting my credit report and I seen that I had some address that are not mine. I never lived at these Places not sure how that got on my credit file. My name is XXXX XXXX XXXX XXXX SSN XXXX My address is XXXX XXXX XXXX XXXX, OHIO XXXX. Please delete any other name and or addresses they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief