vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-28 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: MO

Complaint narrative:
I've called the 3 credit bureaus several times a week about this problem but the problem still persists. A company named " XXXX  '' reported that I missed 30 payments when in actuality I never missed one payment. XXXX reported that I missed 30 payments due to a bug, glitch, error or a rogue employee ruining customers life for the XXXX of it. I disputed the 30 missed payments and ask the 3 credit bureaus to ask the company to provide physical documentation/proof that I missed the 30 payments and that never happened. The disputes automatically get rejected and I get no where. This has to be illegal. I have another collection from XXXX, even though I asked them to verify my account with physical proof the 3 credit bureaus keep sending emails asking companies to verify debts with the press of a keyboard and no physical proof. Every time I call the 3 credit bureaus I'm connected with a foreign rep and we can barely understand each other so I'm forced to ask to be connected to a rep in the US so every time I call I'm on hold for over an hour before I can attempt to dispute the errors. The 3 credit bureaus help fraudulent companies destroy Americans lives for a profit. All 3 credit bureaus should be investigated for enabling criminal activity. It's not fair to hardworking Americans!

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 2018-05-28 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: CA

Complaint narrative:
Hello and thank you for your help. I'm exhausted. I ordered my credit report for the first time in years in XX/XX/2017 and discovered 8 accounts that were in question and unauthorized inquiries. I sent notarized and certified verification letters to the three major credit bureau XXXX XXXX, Equifax, XXXX and also directly with those creditors. I've had success and down to 3 account still ignoring me and reporting negatively with no verification. XXXX XXXX, XXXX XXXX, and XXXX/XXXXXXXX. It has been 6 months now and they and the thee Bureaus have given no explanation or physical documentation just stating " verified '' on my credit reports and not removing the unauthorized inquiries. I've sent out 4 rounds of disputer letter over 6 months. Please Help Me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 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:
Hello and thank you for your help. I'm exhausted. I ordered my credit report for the first time in years in XX/XX/2017 and discovered 8 accounts that were in question and unauthorized inquiries. I sent notarized and certified verification letters to the three major credit bureau XXXX XXXX, XXXX, Experian and also directly with those creditors. I've had success and down to 3 account still ignoring me and reporting negatively with no verification. XXXX XXXX, XXXX XXXX, and XXXX. It has been 6 months now and they and the thee Bureaus have given no explanation or physical documentation just stating " verified '' on my credit reports and not removing the unauthorized inquiries. I've sent out 4 rounds of disputer letter over 6 months. Please Help 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 non-monetary relief
Consumer complaint received 2018-05-28 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: TX

Complaint narrative:
I have been a subscriber to the XXXX, XXXX, and TransUnion credit monitoring products since XX/XX/XXXX. To my surprise, I initially discovered that there were inaccurate, incomplete, and unverifiable information throughout each of my consumer credit reports. I filed formal disputes on XX/XX/XXXX, with each of the nationwide Consumer Reporting Agencies, namely, XXXX, XXXX, and TransUnion. Pursuant to an OFFICIAL CERTIFIED AFFIDAVIT DOCUMENT Number XXXX filed in the OFFICIAL PUBLIC RECORDS OF XXXX COUNTY, TEXAS on XX/XX/XXXX, most of the disputed items were immediately " deleted '' from my consumer file because of the inaccurate, incomplete, and unverifiable information. However, on or about XX/XX/XXXX, some of the previously deleted inaccurate, incomplete, and unverifiable information items suddenly reappeared on my consumer credit reports causing my credit scores to plunge over 208 points. I dispute the validity entirely of these inaccurate, incomplete, and unverifiable information items. I hereby demand that these inaccurate, incomplete, and unverifiable information items be immediately " deleted '' from my XXXX, XXXX, and TransUnion consumer credit reports because they are in direct violation of my consumer rights pursuant to the procedures, rules, regulations, and requirements as described in the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Texas Business and Commerce Code Title 2, Chapter 20, and as directed by the Texas Attorney General, the Federal Trade Commission, and the Consumer Financial Protection Bureau. I filed a new OFFICIAL CERTIFIED AFFIDAVIT DOCUMENT Number XXXX in the OFFICIAL PUBLIC RECORDS OF XXXX COUNTY, TEXAS on XX/XX/XXXX with regards to the complaint outlined in this specific dispute with XXXX, XXXX, and TransUnion. I have sent Certified Official Affidavit Packages with Certified Exhibits 1 through 7 to the following : ( 1 ) XXXX [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ] ( 2 ) XXXX [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ] ( 3 ) TransUnion [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ] ( 4 ) XXXX XXXX XXXX [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ]. Please see all attachments and exhibits in the documents to be uploaded into the CFPB system. Thank you!

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 2018-05-28 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: TX

Complaint narrative:
I have been a subscriber to the XXXX, Experian, and XXXX credit monitoring products since XX/XX/XXXX. To my surprise, I initially discovered that there were inaccurate, incomplete, and unverifiable information throughout each of my consumer credit reports. I filed formal disputes on XX/XX/XXXX, with each of the nationwide Consumer Reporting Agencies, namely, XXXX, Experian, and XXXX. Pursuant to an OFFICIAL CERTIFIED AFFIDAVIT DOCUMENT Number XXXX filed in the OFFICIAL PUBLIC RECORDS OF XXXX COUNTY, TEXAS on XX/XX/XXXX, most of the disputed items were immediately " deleted '' from my consumer file because of the inaccurate, incomplete, and unverifiable information. However, on or about XX/XX/XXXX, some of the previously deleted inaccurate, incomplete, and unverifiable information items suddenly reappeared on my consumer credit reports causing my credit scores to plunge over 208 points. I dispute the validity entirely of these inaccurate, incomplete, and unverifiable information items. I hereby demand that these inaccurate, incomplete, and unverifiable information items be immediately " deleted '' from my XXXX, Experian, and XXXX   consumer credit reports because they are in direct violation of my consumer rights pursuant to the procedures, rules, regulations, and requirements as described in the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Texas Business and Commerce Code Title 2, Chapter 20, and as directed by the Texas Attorney General, the Federal Trade Commission, and the Consumer Financial Protection Bureau. I filed a new  OFFICIAL CERTIFIED AFFIDAVIT DOCUMENT Number XXXX in the OFFICIAL PUBLIC RECORDS OF XXXX COUNTY, TEXAS on XX/XX/XXXX with regards to the complaint outlined in this specific dispute with XXXX, Experian, and XXXX. I have sent Certified Official Affidavit Packages with Certified Exhibits 1 through 7 to the following : ( 1 ) XXXX [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ] ( 2 ) Experian [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ] ( 3 ) XXXX [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ] ( 4 ) XXXX XXXX XXXX [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ]. Please see all attachments and exhibits in the documents to be uploaded into the CFPB system. Thank you!

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 2018-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: MD

Complaint narrative:
Phoenix Financial Services XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IN XXXX I have two collections accounts recent reported by Phoenix Financial in XX/XX/XXXX for 2 medical collection accounts in the amounts of {$1100.00} and {$830.00}. These are being reported to all 3 major credit bureaus ( XXXX, XXXX, and XXXX ). 

These 2 collections accounts are being reported as of XX/XX/XXXX with a Date Opened of XX/XX/XXXX. 

These same 2 accounts were already reported previously by XXXX XXXX XXXX with XXXX XXXX XXXX being the original creditor. The 2 collection accounts reported by XXXX XXXX were in the amounts of {$1100.00} and {$830.00}. Both accounts were deleted from all credit bureaus as these were falsely reported accounts. XXXX XXXX 's collection accounts had Reported Dates of XX/XX/XXXX, and Date Opened of XX/XX/XXXX. So as you can see, not only are their discrepancies in dates, but it is obvious these are the exact same accounts just resold to another debt collector, despite the fact both accounts were already deleted and removed from all my credit reports. 

I was never provided notification, or allowed to contest this information. Once a debt comes off of your credit report, no furnisher, creditor, debt collector or credit bureau is legally allowed to reinsert it, disguise it and re-report it, without notifying you and giving you the opportunity to contest it. Is this not correct? 

I am in the middle of being approved for a mortgage and this is an absolute joke that the bureaus even allowed this information to slip past and be re-reported. Quite honestly I could pursue legal avenues and not only get my credit report cleansed of the false information, but I am also likely entitled to monetary damages. 

Phoenix Financial has already been contacted twice with no response received. I opened disputes with all credit bureaus, and a complaint with the XXXX against Phoenix Financial. In which, Phoenix immediately responded and said for me to reach out via email. Which I have twice, and have received no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I made a balance transfer through Capital One. They claimed they sent a check to XXXX to pay off the balance I had with XXXX. After a month of my balance transfer not going through XXXX but Capital One was showing the balance transfer had went through I started an investigation.It took months for Capital One to follow through with getting a copy of the check they claimed was cashed by XXXX. Recently XXXX sent me a letter stating they did not cash this check that Capital One is claiming was cashed. Since XXXX I have been trying to get this resolved. Capital One has charged my account for a balance transfer that never went through on XXXX. So now I'm being charged {$3400.00} on both credit card accounts. This issue has yet to be resolved and it's going on 4 months now. No one seems to take accountability to cashing this check. It's lowered my credit score as well. Every time I end the phone conversation with Capital One the problem  doesn't get resolved. Some party cashed this check. There has to be a way they can track who cashed this check and why it wasn't applied to my XXXX account. I feel at this point I've been taken advantage of. I want my balance transfer canceled through Capital One. XXXX has no record of the check that was faxed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This is regarding my Citibanks credit card ( Card number ending with XXXX ). 

I purchased an Air ticket for 3 travelers ( Myself, my wife and my daughter ) from XXXX XXXX on XX/XX/XXXX. 

'XXXX XXXX ' issued me 3 ticket numbers ( for 3 travelers ) under a single PNR. The entire transaction amount were split into 3 transactions ( for 3 ticket numbers ).

I disputed all 3 transactions with Citibank on XX/XX/XXXX as 'XXXX XXXX ' did not allow us to travel on their flight even though we had proper documentations, passport, visa.

Citibank created following 3 dispute case numbers for three transactions and asked me to provide supporting documents. 
Case # XXXX Case # XXXX Case # XXXX I provided supporting documents for all 3 disputes on XX/XX/XXXX and I clearly explained to Citibank that all 3 disputes are related to same incident ( under a single air ticket PNR ) and should be looked into and processed together. 

Citibank started processing the disputes and I was communicated on XX/XX/ that Dispute XXXX was resolved in my favor and a Permanent credit was applied to my card. 

On the same day, Citibank commutated to me that other two disputes ( XXXX and XXXX ) were resolved in merchant favor as Citibank did not receive the supporting documents from me within the timeframe. 

I contacted Citibank multiple times and explained that I provided supporting documents for all 3 disputes on same day- XX/XX/ ( and I have the proofs ). So it was Citibanks negligent act in processing other two disputes ( XXXX and XXXX ) on timely manner which resulted the disputes in merchant favor. 

Since one dispute ( out of 3 ) was resolved in my favor and all 3 disputes were related to same incident ( under a single air ticket PNR ), it proves that all my 3 disputes were valid and we had proper documentations, passport, visa.

I requested Citibank to reopen other two disputes since it was not my fault, rather it was Citibanks negligence that they ignored my supporting documents for those two disputes ( XXXX and XXXX ). 

I made multiple attempts and request to Citibank either to reopen the disputes or credit the disputed amount to my credit card account. But Citibank did not honor my request. 

Hence I am seeking permanent credit ( Total = {$1700.00} ) for the two disputed disputes from Citibank. 

Disputed amount for XXXX = {$880.00} Disputed amount for XXXX = {$880.00} Total = {$1700.00}

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 2018-05-28 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:
On XX/XX/18 XXXX received a credit report dispute, disputing items including two bankruptcies.I have documentation from the furnisher/bankruptcy court stating the court records and dockets are available via XXXX. I contacted XXXX  via email  asking how do they verify and they stated, " XXXX does not directly verify federal case information to third parties by phone, fax, or email. XXXX also stated that XXXX does the verification for public records. I called and they stated no one has called to verify not one public record on my consumer report and I also have paperwork for XXXX stating that they could not verify the two bankruptcy records that are reporting as negative on my credit report. XXXX has not done their job to accurately verify items on my credit report. Also, the FCRA section 611 states the furnisher of the information must verify. XXXX and TransUnion have also stated that they have previously " verified '' both bankruptcies reporting adverse 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 2018-05-28 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: NV

Complaint narrative:
On XX/XX/18 XXXX received a credit report dispute, disputing items including two bankruptcies.I have documentation from the furnisher/bankruptcy court stating the court records and dockets are available via XXXX. I contacted XXXX via email asking how do they verify and they stated, " XXXX does not directly verify federal case information to third parties by phone, fax, or email. XXXX also stated that XXXX does the verification for public records. I called and they stated no one has called to verify not one public record on my consumer report and I also have paperwork for XXXX stating that they could not verify the two bankruptcy records that are reporting as negative on my credit report. XXXX has not done their job to accurately verify items on my credit report. Also, the FCRA section 611 states the furnisher of the information must verify. Equifax and XXXX have also stated that they have previously " verified '' both bankruptcies reporting adverse on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
After reviewing my credit report I have several accounts opened in my name over the past few years. I have tried to fix these issues and they keep coming back as mine. I work 50 hours a week with 2 roommates who are able to order things without my knowledge ( In which Im also pressing charges ) ... I told this company even though you guys have my address I did not open these accounts and I talked to someone who stated the accounts were opened with just my last 4 digits of my social. Im sure if my full social was asked for this could have been avoided.On top of these accounts on my credit XXXX and XXXXXXXX XXXX continue to attach late fees on a closed account and XXXX sent this account to collections.I will not pay for a account I did not open and your company need more information than just the address is the same ... Before i get my lawyers im giving this company one final time to make this right as this has been a nightmare and Im unable to purchase a house. I am asking for proof that I open this account something more than a  matching XXXX address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: U.S. BANCORP
State: MD

Complaint narrative:
XXXX XXXX filled out the credit card application. I did not get a copy. 
I would like a copy of the online application filled out online. Card opened XX/XX/2014.

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 2018-05-28 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: Riverwalk Financial Corporation
State: NV

Complaint narrative:
I attended to XXXX College - XXXX XXXX and was advised by XXXX XXXX XXXX to take a private loan. This loan ( s ) has been sold to different asset management companies. The latest is XXXX XXXX XXXX who bought the loan and is currently the owner of it. Now, regardless who the owner of loan is, the manager of this account has always been XXXX , XXXX to whom I've been on a payment plan for awhile ( automated monthly payments are taken out of my credit card ) even though am on a payment plan with XXXX , XXXX XXXX XXXX XXXX ( new owner of the loan ) has reported my accounts ( 2 student loans ) to  collections. They do not honor the payment plan with XXXX , XXXX even after they became owners of the loan I was notified that XXXX , XXXX will continue to manage the loans and the my payment plan with remain in good standing for 12 more months.. I filed disputes with 3 major credit bureaus and they denied my request to remove negative collection information from my credit report because XXXX XXXX XXXX does not honor the payment play they notified me in writing about at the time they bought the student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: MA

Complaint narrative:
I was going through my credit and noticed a vehicle that was repossessed several years ago is still reporting with several inaccuracies, such as balance, original balance, date of last activity, status, etc. Plus I had a Gap insurance on that vehicle and I never received and documentation after the repo. It shows charged-off with wrong balance, and it's definitely violations of FCRA and MVISA.

Company response to consumer: Closed with explanation