vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-15 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:
Experian refuses to delete fraudulent activity on my credit report. I have reported to Experian 3 times, by telephone, regarding me being a victim of fraud and that the information on my credit report regarding XXXX XXXX XXXX is fraudulent. Experian also has XXXX XXXX XXXX listed twice on my credit report for the same account and amount, which is also incorrect and making the amount owed showing double the incorrect amount. I have explained to Experian 3 times that this account does not belong to me and that I have no knowledge of this account, that I have never had any dealings with this creditor, and that it is fraudulent. I have also requested to speak to an Experian supervisor on 2 different occasions, on XX/XX/XXXX and XX/XX/XXXX and was told both times that the supervisor was busy and that they would call me back. I still have not received a telephone call back. 
On XX/XX/XXXX, I spoke to a representative named XXXX and she stated that a supervisor would call me back and when I explained to her that this is my 2nd time calling and no supervisor attempted to call me back the first time I called. I also explained to XXXX, the representative at Experian, that I have an Identity Theft Report on file with the CFPB and she stated that I do not have an identity theft record on file with the CFPB ( I have attached my proof of identity theft report ). She also stated that Experian does not remove anything from credit reports without the creditor 's permission, and that there is nothing they can do. I explained to her that that's an unfair statement being that I have never had any activity relations with the creditor and that I do not know of the creditor, and that the account does not belong to me ; and that she was incorrect about me having an identity theft report with the CFPB. I explained to the representative at Experian that they did not provide me a fair investigation into my dispute and she stated that Experian does not investigate and that they only go by what the creditor tells them. Therefore, Experian has lied about their investigation into my previous disputes, as the representative stated that they do not investigate the disputes. Therefore, they have not thoroughly verified the information on my credit report, as they stated that they did. Also, this is the 2nd time that Experian has allowed this creditor, XXXX XXXX XXXX, to be placed on my credit report after proving to them that my identity was stolen. Experian did not do a proper investigation into my dispute and they have also admitted that. I would like for XXXX XXXX XXXX to be removed from 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 non-monetary relief
Consumer complaint received 2019-02-15 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: AZ

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX  and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: AZ

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this 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 non-monetary relief
Consumer complaint received 2019-02-15 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: FL

Complaint narrative:
On XX/XX/2018, I purchased a trip to XXXX using a Capital one XXXX card for the amount of {$2700.00}. I used the card because I believed that charging the balance on a capital one card would protect me if I had to dispute a charge. That is what their card promised. 

The trip was a nightmare and I face discrimination, abuse and isolation by the tour leader and XXXX  company. When I returned in XX/XX//2018 from my trip, I contacted Capital one to dispute the charge, I sent a 2 page letter and pictures showing proof of my dispute. I called weekly and spoke to customer service, managers and finally I wrote to the CEOs of Capital one to get help. According to capital one, I had a valid dispute but they refused to reverse the charges because they wanted another travel agent to collaborate the claims. When I told them that I did due diligence to obtain a report from another travel agent but no one wanted to write a statement nor have they ever heard of such request. I became discouraged when I realized that Capital one did not want to help resolve this dispute and hid behind a wall of deception. I continued to make payment on the card but knew that what they said was false. They do not help with disputing charges and they take the merchant 's side in disputes. 


Please see the letter enclosed to Capital one in XX/XX/2018.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
Needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
Needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: National Credit Systems,Inc.
State: AZ

Complaint narrative:
In XX/XX/2018 I moved out of the apartment complex, " XXXX XXXX XXXX '' located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. 
The address I vacated was XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. 
The unit was referred to as XXXX with the unit being the letter XXXX not the number XXXX. 
We gave our forwarding address to the management of XXXX XXXX XXXX so that they could contact us if there were any problems. 
The management of XXXX XXXX XXXX never contacted any of the lease holders, XXXX XXXX, XXXX XXXX or myself XXXX XXXX XXXX. 
Months later I received a collection call from a company asking me to pay for damages. Our apartment was not damaged, and the XXXX XXXX XXXX was and is on my Renter 's Insurance through XXXX as a interested party. The complex could have filed a claim through Renter 's Insurance if there was a legitimate damage. XXXX confirmed that no claim had ever taken place. 
XXXX XXXX XXXX was non responsive to any attempts at communication. 
XXXX XXXX  XXXX and their agent in debt recovery never took correct action after the debt was disputed. They never showed any record or proof of damages only that they had a bill from a company. I never agreed to nor did I ever see the alleged damage. Furthermore I never received an opportunity to pay damages before the debt was reported on credit. The debt collection company refused to pull the debt from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: NY

Complaint narrative:
On my credit report there is two accounts that were opened fraudulently I have been trying to dispute them but every time I do they tell me the information is accurate and they won't remove it from my credit reports with XXXX  XXXX and XXXX  the accounts are XXXX XXXXXXXX XXXX by XXXX XXXX  bank and simply be by XXXX XXXX  bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc.
State: CA

Complaint narrative:
NCC Business Services has continuously denied and ignored my credit bureaus disputes stating that I owe an inaccurate amount of money. I have advised NCC Business Services on several occasions to no longer contact me via phone, and to only communicate with me via postal mail. NCC Business Services continues to contact me via phone and leaves voicemails on my phone as well as my relatives phone number identifying themselves as a debt collection agency. I have submitted several receipts over and over showing that the amount they are claiming and attempting to collect has been paid. I have submitted receipts to them directly as well. This collection has been reported on my credit report. This collection is not valid I request the negative reporting to be removed immediately as it is in violation of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: CA

Complaint narrative:
EQUIFAX HAS REPEATEDLY IGNORED MY DISPUTE IN REGARDS TO A LATE ON MY XXXX XXXX ACCOUNT-XXXX THIS ACCOUNT HAS NEVER BEEN DELINQUENT OR PAID LATE. IN THE YEAR 2011. AND EQUIFAX IGNORES THE GUIDELINES PUT IN PLACE BY THE FCRA ... AND I DISPUTE THESE LATE CHARGES THAT ARE REPORTING ON MY EQUIFAX CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am receiving an inquiry from XXXX XXXX XXXX/XXXX. This inquiry was not authorized by me. I have nor credit from this creditor nor did I apply for any credit with this creditor.

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 2019-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Personal Finance Center
State: GU

Complaint narrative:
XXXX complaint already filed. I XXXX XXXX and my Wife had loan under my Wife 's name XXXX XXXX. I discovered that I and my Wife unable to loan because of our identity theft filed at Personal Finance Center, This company affects all our major credit report at the 3 credit Berue. XXXX XXXX XXXX. as Well as other financial Institution. I already filed complaint at the XXXX XXXX XXXX XXXX and I believe they settled this case outside court as Well as the credit Berue. so sent to Administrative of the XXXX XXXX XXXX XXXX XXXX, XXXX Washington DC XXXX you can send more detail to the Court or the FTC for identity theft. I also have problem With XXXX XXXX, he is a employee at CFPB for helping people changed my name to other person 's name With other Financial Institution such XXXX XXXX XXXX  In XXXX XXXX XXXX. I have discovered 2 of the person are employees at the XXXX Protection AG office her on XXXX. and I discovered XXXX XXXX transfer my money in to her name. and XXXX XXXX XXXX both used faked name here on CFPB.

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 2019-02-15 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: CA

Complaint narrative:
EQUIFAX HAS REPEATEDLY IGNORED MY DISPUTE IN REGARDS TO A LATE ON MY XXXX  XXXX  ACCOUNT-XXXX  THIS ACCOUNT HAS NEVER BEEN DELINQUENT OR PAID LATE. IN THE YEAR 2011. AND EQUIFAX IGNORES THE GUIDELINES PUT IN PLACE BY THE FCRA ... AND I DISPUTE THESE LATE CHARGES THAT ARE REPORTING ON MY EQUIFAX CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
The company is asking for additional documentation from the City of XXXX XXXX ( which I have now provided ) and continues not honoring a year of public service - 6 months of which were under the Loan Forgiveness program.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: Federal Adjustment Bureau, Inc.
State: FL

Complaint narrative:
THIS IS A ONGOING SITUATION I HAVE FILED EVERYTHING WITH THE PROPER AUTHORITIES FTC, XXXX POLICE, CFPB, AND XXXX. MY PERSONAL INFORMATION WAS COMPRISED AND SOMEONE WAS USING MY ID AND SS TO OPEN ACCOUNT AND UTILITIES IN MY NAME. I HAVE NOT LIVED IN XXXX OHIO IN OVER 10-11 YEARS. XXXX AND XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me regarding the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: AES/PHEAA
State: CA

Complaint narrative:
I have written to both XXXX, XXXX, and XXXX XXXX pointing out that four student loans ( see excerpts attached ) are reporting inaccurately. XXXX XXXX is currently reporting negative late payments on the Payment Status line on my credit report. These four accounts are marked as closed and showing a XXXX balance. How can the Payment Status line show anything other than Current or Unknown? Historical late payments are shown in the 24 month payment history and should never be shown on the Payment Status Line. 

Such reporting is 100 % inaccurate and is hurting my credit score which is extremely harmful to a current home loan approval pending. 

Please correct this reporting error as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
XX/XX/19 XXXX  at XXXX XXXX contacted a distant ex relative and discussed my account including who the debt was with ( XXXX  ) and told her it was a collection account. He tried to get information about me. XXXX   and XXXX XXXX have been notified by XXXX XXXX XXXX  via mail that they are working with my creditors and to contact them. They have ignored this information and given out personal account information to a unauthorized third party. He gave a phone number to contact of # XXXX ext XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have written to both Transunion, XXXX, and XXXX  XXXX pointing out that four student loans ( see excerpts attached ) are reporting inaccurately. Fed Loans is currently reporting negative late payments on the Payment Status line on my credit report. These four accounts are marked as closed and showing a XXXX balance. How can the Payment Status line show anything other than Current or Unknown? Historical late payments are shown in the 24 month payment history and should never be shown on the Payment Status Line. 

Such reporting is 100 % inaccurate and is hurting my credit score which is extremely harmful to a current home loan approval pending. 

Please correct this reporting error as soon as possible.

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 2019-02-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have written to both XXXX, Experian, and XXXX XXXX pointing out that four student loans ( see excerpts attached ) are reporting inaccurately. XXXX XXXX is currently reporting negative late payments on the Payment Status line on my credit report. These four accounts are marked as closed and showing a XXXX balance. How can the Payment Status line show anything other than Current or Unknown? Historical late payments are shown in the 24 month payment history and should never be shown on the Payment Status Line. 

Such reporting is 100 % inaccurate and is hurting my credit score which is extremely harmful to a current home loan approval pending. 

Please correct this reporting error as soon as possible.

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 2019-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Violation of the collection practices act for a debt collector to Refuse or unable to validate debt to send a validation notice or fail to respond to your verification letter. Request documentation that verifies you owe the debt, such as a copy of the original contract., Ignoring my request for debt validation a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized statements or list of the alleged charges they claim I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Ive been a member of Navy Federal Credit Union for many years. I was denied access to my accounts starting in XXXX when I was behind on payments for my credit cards and or checking line of credit. I was not able to get any account information when logging in online. Currently, when any money is deposited or transferred from another member, Navy Federal takes funds for payments with being 6 days delinquent. They will take the entire amount of money available to make the payment and leave nothing available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/2016 I got approved for a sporting goods store 's credit card under the Bureau name : SYNCB/XXXX XXXX XXXX. They have put my credit for collection of {$710.00} of which their representative once called and made me pay almost half of that amount to settle the entire account. I specifically asked them if my account will be completely settled after that and they said yes it will be taken off your credit report. I paid them the amount and the collection charge off was never taken off my credit report and is hurting my credit score to this day. I am a student and I am really trying to build my credit back up. If this debt gets resolved I can move on and work on building my credit.

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 2019-02-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Douglas, Chancellor, Meyers and Associates, LLC
State: IL

Complaint narrative:
This company never tried to contact me in regards to this debt, Placed on my credit report without giving notice. Debt is more than 7 years old please remove now. Going against. 

Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act This account was opened in XXXX and the last payment was in XX/XX/XXXX.

Company response to consumer: Closed with explanation