vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-19 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: NV

Complaint narrative:
Credit report shows accounts in collections, chapter XXXX bankruptcy covered these items. Currently XXXX XXXX of XXXX shows 2 collections accounts and XXXX XXXX shows 1 collections accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 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: NV

Complaint narrative:
Credit report shows accounts in collections, chapter XXXX bankruptcy covered these items. Currently XXXX XXXX of XXXX shows 2 collections accounts and XXXX XXXX shows 1 collections accounts.

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 2018-02-19 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: NV

Complaint narrative:
Credit report shows accounts in collections, chapter XXXX bankruptcy covered these items. Currently XXXX XXXX of XXXX shows 2 collections accounts and XXXX XXXX shows 1 collections accounts.

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 2018-02-19 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:
My name is XXXX XXXX. This has been longer than usual and my dispute has been over looked and Im very disappointed in how your system is made to fail and it is purposely done to ignore that you are the cause of my problem and Im not afraid to sue you in court for damaging my credit file. Youve leaked my information and caused my personal information to be seen by millions and now my file is damaged badly. Yes your company is the one to blame for this situation my file has been used more than a few times and Im tired of it. I will be suing for damages of the total accounts listed in the attachment area. I am unaware of the accounts and they need to be removed immediately following your investigation. I will be following up in less than a week and if it isnt removed I will be forced to go down to the XXXX XXXX XXXX XXXX House to file a lawsuit, contact the FTC, and place your company public record online of how you falsely mistreat consumers by placing inaccurate account for money.

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 2018-02-19 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:
My name is XXXX XXXX. This has been longer than usual and my dispute has been over looked and Im very disappointed in how your system is made to fail and it is purposely done to ignore that you are the cause of my problem and Im not afraid to sue you in court for damaging my credit file. Youve leaked my information and caused my personal information to be seen by millions and now my file is damaged badly. Yes your company is the one to blame for this situation my file has been used more than a few times and Im tired of it. I will be suing for damages of the total accounts listed in the attachment area. I am unaware of the accounts and they need to be removed immediately following your investigation. I will be following up in less than a week and if it isnt removed I will be forced to go down to the XXXX XXXX XXXX XXXX House to file a lawsuit, contact the FTC, and place your company public record online of how you falsely mistreat consumers by placing inaccurate account for money.

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 2018-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX reports to credit report that the amount written off as {$6000.00}. The ending principal balance after accounting for all fees was {$5400.00}. I have attached XXXX 's payment history as verification of the discrepancy as well as how it appears on my credit report. I also attached a copy of a letter they recently provided me that said the blance should have been {$7000.00}. There are so many discrepancies with this account. The information XXXX is reporting there is no way it can be correct as they have sent me different letters stating different things, and none of it matches. There is not one item that matches on the explination of fees page with the transaction history or my credit report. This account must be removed as it is not 100 % accurate, and I'm not even sure we can trust thier validation of anything, since they cant even decide what the balance was or should be at the time of charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX reports to credit report that the amount written off as {$6000.00}. The ending principal balance after accounting for all fees was {$5400.00}. I have attached XXXX 's payment history as verification of the discrepancy as well as how it appears on my credit report. I also attached a copy of a letter they recently provided me that said the blance should have been {$7000.00}. There are so many discrepancies with this account. The information XXXX is reporting there is no way it can be correct as they have sent me different letters stating different things, and none of it matches. There is not one item that matches on the explination of fees page with the transaction history or my credit report. This account must be removed as it is not 100 % accurate, and I'm not even sure we can trust thier validation of anything, since they cant even decide what the balance was or should be at the time of charge off.

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 2018-02-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Mobiloans, LLC
State: SC

Complaint narrative:
I received monies from these companies, paid them in full I thought ...!! They continued to withdraw money from my bank account even after I ordered them to stop. They caused me great hardship. I paid them off early trying to avoid the high interest rate. So the unauthorized withdrawals by the payday loan companies continue until I was force to close my account. Because of this I had to actually get a XXXX debit card for my direct deposits of my bi- weekly pay. It wasnt until I tried to get a financing for a home did I see the fraudulent entries on my Credit File. As the CFPB has successfully sued XXXX XXXX XXXX ... I am involved in that settlement ... I have asked for monies Owed and now a complete DELETION OF ALL THREE TRIBAL LENDERS OFF MY CREDIT FILE .... MOBILOANS ... XXXX XXXX LENDING AND XXXX  XXXX ( after the court case ... they did mark my credit file as PAID IN FULL. Please delete these 3 fraudulent entries on my credit file.

Company response to consumer: Untimely response
Consumer complaint received 2018-02-19 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: CA

Complaint narrative:
I have paid in full to tax lien in California. but they not release the lien from my credit report. I have filled dispute with transunion credit agency but still not remove lien 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 explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Supreme Lending
State: OR

Complaint narrative:
I applied for an FHA loan with Supreme Lending ( XXXX XXXX XXXX XXXX Supreme Lending XXXX XXXX XXXX, XXXX XXXX, XXXX, TX - NMLS # XXXX ). At the end of XXXX XX/XX/2018, the pending offer on the home was terminated and the loan officer withdrew the loan on that basis. After the loan officer switches companies, I received a notice from Supreme Lending that my credit application was denied rather than withdrew. I want to be sure this false denial of the application doesn't show up negatively on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 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: Credit Bureau Services Association
State: TX

Complaint narrative:
I have sent multiple credit disputes to XXXX XXXX, XXXX, and XXXX regarding my credit report. I was a victim of identity theft. I have inaccurate debts on my credit that I have never heard of or signed for. I have spent the past 2 weeks tracking down this debt as to everyone keeps saying they dont have it but when I dispute it it some hows magically keep reappearing. Please remove this debt from my account as it is not mines and it is effecting my credit.

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 2018-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Had Medicaid insurance. Medicaid stated they only have three months to submit claim. We gave them all of the information. At one point this company had four different collections on my credit report that were not correct. They were all removed and now a year and a half later one has popped back up

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 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: TX

Complaint narrative:
Hello I purchased a brand new Jet ski and my Loan was thru XXXX XXXX XXXX the company is very unhelpful I have been trying to get this resolved for a year now. When I called them last XXXX they told me I owed {$50.00} for XXXX and XXXX when I called I paid the balance. It was only {$50.00} as I often paid them ahead. When I returned from Vacation they said I was behind on my payments I have never paid any of my loans late ever! I pride myself in paying my loans on time. I have 7 loans all on my credit report with perfect payment history. This company applied monies that were for Paymebts to the principle only if you review the historical payment history it is a cut and dry case. Just asking them if I paid on time is hardly an investigation as a hard working tax payer you are supposed to investigate these sistuations not just go off there misinformation and lies! Please do something about this! XXXX XXXX XXXX in 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 2018-02-19 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: TX

Complaint narrative:
Hello I purchased a brand new Jet ski and my Loan was thru XXXX XXXX XXXX the company is very unhelpful I have been trying to get this resolved for a year now. When I called them last XXXX they told me I owed {$50.00} for XXXX and XXXX when I called I paid the balance. It was only {$50.00} as I often paid them ahead. When I returned from Vacation they said I was behind on my payments I have never paid any of my loans late ever! I pride myself in paying my loans on time. I have 7 loans all on my credit report with perfect payment history. This company applied monies that were for Paymebts to the principle only if you review the historical payment history it is a cut and dry case. Just asking them if I paid on time is hardly an investigation as a hard working tax payer you are supposed to investigate these sistuations not just go off there misinformation and lies! Please do something about this! XXXX XXXX XXXX in XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 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: TX

Complaint narrative:
Hello I purchased a brand new Jet ski and my Loan was thru XXXX XXXX XXXX the company is very unhelpful I have been trying to get this resolved for a year now. When I called them last XXXX they told me I owed {$50.00} for XXXX and XXXX when I called I paid the balance. It was only {$50.00} as I often paid them ahead. When I returned from Vacation they said I was behind on my payments I have never paid any of my loans late ever! I pride myself in paying my loans on time. I have 7 loans all on my credit report with perfect payment history. This company applied monies that were for Paymebts to the principle only if you review the historical payment history it is a cut and dry case. Just asking them if I paid on time is hardly an investigation as a hard working tax payer you are supposed to investigate these sistuations not just go off there misinformation and lies! Please do something about this! XXXX XXXX XXXX in 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 2018-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Hello this Hospital bill was paid back in XXXX. This debt was sent to me with threats we will ruin your credit calls etc. I thought it was a complete scam. All my Hospital bills from my XXXX Hospital visit have been paid. This is a complete scam. I have NO collections aside from this incorrect item for {$1500.00}. They have told me they will delete it for {$500.00}. Why should I pay a bill I have never seen from XXXX in XXXX? There is something very odd and unethical here. I have requested the original bill that outlines this amount and to date not been given the info. Phoenix Finincial is the name of the company. Please look into this as I am a Tax paying American and your company is supposed to investigate these situations. I appreciate your efforts this is the only collection item on my impeccable credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX is reporting a remark on my XXXX, Equifax, and XXXX reports that is heavily impacting my score. 
The reports comment states between XX/XX/2018 and XX/XX/2018 the following remark was added to my account " Affected by natural disaster " I am requesting that the following information be removed as it has significantly dropped my credit report over a 100 points and actually does not even apply to me. I was not affected by any disaster and I have not been able to get help from the bureaus directly. 

Please contact me me directly at XXXX XXXX XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX is reporting a remark on my Transunion, XXXX, and XXXX reports that is heavily impacting my score. 
The reports comment states between XX/XX/2018 and XX/XX/2018 the following remark was added to my account " Affected by natural disaster " I am requesting that the following information be removed as it has significantly dropped my credit report over a 100 points and actually does not even apply to me. I was not affected by any disaster and I have not been able to get help from the bureaus directly. 

Please contact me me directly at XXXX XXXX XXXX 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 2018-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX is reporting a remark on my XXXX, XXXX, and Experian reports that is heavily impacting my score. 
The reports comment states between XX/XX/2018 and XX/XX/2018 the following remark was added to my account " Affected by natural disaster " I am requesting that the following information be removed as it has significantly dropped my credit report over a 100 points and actually does not even apply to me. I was not affected by any disaster and I have not been able to get help from the bureaus directly. 

Please contact me me directly at XXXX XXXX XXXX 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 2018-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Frauding scams IDs frauding my documents and medical record of birth certificate long form of Md XXXX and doctor XXXX XXXX scams IDs and accounts frauding my XXXX country Indiana using XXXX XXXX scams IDs and business using my grandma documents of XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX Indiana XXXX scams frauding my XXXX XXXX scams frauding XXXX and XXXX Indiana using XXXX IDs and XXXX IDs Frauding scams using XXXX Frauding scams using school permit and teaching staff and books and books authors and school sports Frauding scams IDs using racing teams and XXXX XXXX and XXXX and XXXX XXXX and XXXX California mall

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 2018-02-19 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: NY

Complaint narrative:
I just viewed an updated score for my equifax credit report. Equifax removed 3 accounts that are in good standing which in turn caused my credit score to drop again. I dont no why equifax is removing positive accounts off my report. The accounts are XXXX XXXX XXXX   and my 2 XXXX  XXXX credit card accounts.

Company response to consumer: Closed with explanation