vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-02 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: MS

Complaint narrative:
I sent multiple credit dispute with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus mist abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: MS

Complaint narrative:
I sent multiple credit dispute with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus mist abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2020-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2020, I sent an Annual Credit Report Request Form to get a report from Experian. I received a card in the mail saying that not enough information was sent. On XX/XX/2020, I sent another Annual Credit Report Request Form and included copies of my New York State Driver License, Credit Union Statement of Account, page 1 of personal umbrella policy, page 1 of electric bill, page 1 of Health Care Monthly Prescription Drug Summary, page 1 of automobile policy bill, page 1 of homeowners policy, page 1 of bank account statement, correspondence from XXXX regarding automobile loan, New York State insurance identification card for automobile, and page 1 of personal automobile policy. All documents showed either my street address, or Post Office Box, or both. All showed my name. And yet, I received another card in the mail stating that not enough documentation was provided in order for my request to be processed.

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 2020-07-02 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: CA

Complaint narrative:
I've been shopping around for cars so yesterday XX/XX/20 I finally applied to see if I would get pre-approved for an auto loan and I was told that I would not qualify because there are seven accounts reflecting negatively on my credit. I was not aware of these accounts because I never opened them and I didn't give anyone permission to open them in my name. The account names are the following. XXXX, XXXX XXXX XXXX, and US Department of Education. I never authorized these accounts to be opened in my name nor did I benefit anything form them such as money, goods services or any other benefit and I never made payments towards them. I have filed this report to the best of my knowledge as well as a police report and a complaint with the Consumer Financial Protection Bureau.

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 2020-07-02 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: NAVY FEDERAL CREDIT UNION
State: UT

Complaint narrative:
Navy Federal Credit Union is reporting inaccurate late notations on my credit report. I pay my bills online and did not get any notice that I was late. I only realized when I pulled my credit. The payments made online were always on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: NJ

Complaint narrative:
For account XXXX/XXXX XXXX that is reporting on my credit report I have sent multiple letters to Transunion  , XXXX  , and XXXX  to investigate the inaccurate reporting and they send me letters back stating that the account is reporting 100 % accurately and that it has been verified ... .how is this even possible when there are still multiple violations on the reporting of this account. for one they never even added a comment stating that this account is under dispute, as stated by the law ... .... 2nd look at the 2 year payment history all 3 bureaus are all over the place in the reporting and different. they are all reporting a different date of last active and date of last payment. the credit limits are reported different, the high credit are different, the comments are all different. How can they even pretend that they investigated this account when all of these violations are are still reporting they never investigated this account is the answer

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 2020-07-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
filed a ftc 45 days ago XXXX  XXXX  XXXX XXXX XXXX, XXXX TX XXXX XXXXXXXX/XXXX, XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX FL XXXX Phone : ( XXXX ) XXXX Equifax still showing the FTC violations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/2020, my card information was accessed without my knowledge. They made a withdrawal for {$800.00} dollars at XXXX XXXX and a {$1000.00} purchase at XXXX. Monday XX/XX/2020, I log into my mobile banking app to find out about these transactions. I immediately contact my bank and file a claim for these transactions. Since then, the {$800.00} transaction from XXXX XXXX has been credited back to my account but under review the {$1000.00} purchase is not considered fraudulent to them. I am asking for help considering the fact that I did not make any of those transactions myself. I am writing a letter to my bank for them to reconsider my claim and look into it once more. That bank is, Bank of America and my claim ID # is, XXXX. Thank you and I would really appreciate if anyone could help me out with this matter.

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 monetary relief
Consumer complaint received 2020-07-02 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2020 via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 day time frame, and I have not received a response regarding dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Contacted Experian, XXXX, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2020 via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 day time frame, and I have not received a response regarding dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days..

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 2020-07-02 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: MO

Complaint narrative:
Sent a complaint to Experian on the XX/XX/2020 explaining and giving specific details about the inaccurate information on my report! There response was if I gave full ssn number they will investigate the matter! Which I gave in the first complaint!

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 2020-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULT. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-07-02 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: Army and Air Force Exchange Service
State: UT

Complaint narrative:
Military Star is reporting 30 day late 's on my account. My payments were automatically deducted from my paycheck. When i looked into it I noticed i was only being deducted once every 3 months, upon this discovery i paid this account in full. I was unaware of these late notations until i pulled my credit. I am unsure why they were only deducting once every 3 months.

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 2020-07-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC
State: CA

Complaint narrative:
On XX/XX/2020 at XXXX XXXX I sent a debt validation letter via certified mail to American Coradius International LLC ( collection on behalf of XXXX XXXX  ) at the XXXX XXXX, CA Post Office. Based on the USPS.com tracking, the letter was never delivered with the note, " Delivery Attempted - No Access to Delivery Location ''. The return receipt was imaged and sent to my email, but I never received the actual physical receipt. Documentation attached for verification. 

On XX/XX/2020 early evening, I sent a second debt validation via certified mail to American Coradius International LLC ( collection on behalf of XXXX XXXX ) using the USPS kiosk in XXXX XXXX, CA. Based on the USPS.com tracking, the letter is " Held at Post Office, At Customer Request ''. I completed a complaint form with the USPS.com a representative left me a voicemail stating that per the customer, they are not accepted mail at their location and that a representative comes once or twice a week. As of today, it still shows " Held at Post Office, At Customer Request '' on USPS.com tracking. Documentation attached for verification. 

I am seeking debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME OR AUTHORIZED BY ME. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT FILE. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT 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 2020-07-02 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME OR AUTHORIZED BY ME. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT FILE. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT 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 2020-07-02 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: NC

Complaint narrative:
XXXX is the company that is not reporting accurate information to the credit Bureaus and when I call the credit Bureaus and submmitted ah complaint or dispute they said they are reporting what the merchant is telling them to report. So, pretty much I have been almost two months back and forward between both parties without any results. My account is in good standing and open since XX/XX/2020 and right now is not showing that way in neither credit bureaus. Please help 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 2020-07-02 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: NC

Complaint narrative:
XXXX is the company that is not reporting accurate information to the credit Bureaus and when I call the credit Bureaus and submmitted ah complaint or dispute they said they are reporting what the merchant is telling them to report. So, pretty much I have been almost two months back and forward between both parties without any results. My account is in good standing and open since XX/XX/2020 and right now is not showing that way in neither credit bureaus. Please help 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 2020-07-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULT. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-07-02 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: RFNA, LP
State: UT

Complaint narrative:
Republic Finance is reporting late 's on my account. I just refinanced and don't understand why these late 's are notated on my account.I was never notified about being late and have never made a late payment on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Money was sent by wire transfer We have a federal reserve confirmation number The bank says they can not find it. 
They said they will look for it. 
My wife has spent days on the phone and we are getting the run around. 
No one is calling us back. 
We think their should be an audit of this account from the time they aquired this loan from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: NJ

Complaint narrative:
I have sent multiple letters to XXXX, XXXX, and Equifax about these 2 accounts for XXXX both show an account # of XXXX ... .Each time they state that they conducted a full investigation and that the reporting is verified as reporting 100 % accurately ... ..How is this even possible? see the 2 documents that i have attached..this was pulled today XX/XX/2020 and there are multiple violations and inaccuracies. First off neither say in the comments that these accounts are under dispute, secondly XXXX and equifax are reporting a new charge off ever single month this is killing my credit score ... ..the high credit limits are all reporting different amounts, terms are different, how are they reporting a past due and a balance on a " charged off '' account?, all 3 have different comments, all 3 have different date of last active, As you can see i have listed multiple violations which mean they did not conduct proper investigations and are just pencil whipping their responses they need to be held accountable for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: NJ

Complaint narrative:
I have sent multiple letters to XXXX, experian, and XXXX  about these 2 accounts for XXXX both show an account # of XXXX ... .Each time they state that they conducted a full investigation and that the reporting is verified as reporting 100 % accurately ... ..How is this even possible? see the 2 documents that i have attached..this was pulled today XX/XX/2020 and there are multiple violations and inaccuracies. First off neither say in the comments that these accounts are under dispute, secondly experian and XXXX  are reporting a new charge off ever single month this is killing my credit score ... ..the high credit limits are all reporting different amounts, terms are different, how are they reporting a past due and a balance on a " charged off '' account?, all 3 have different comments, all 3 have different date of last active, As you can see i have listed multiple violations which mean they did not conduct proper  investigations and are just pencil whipping their responses they need to be held accountable for these violations

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