vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-01 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:
XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report is reporting inaccurate and different information between credit agencies. XXXX  reporting high credit as XXXX, Experian is reporting high credit as XXXX, and XXXX  is reporting high credit as XXXX, which inaccurate reporting, delete this account. In addition, XXXX  is reporting last payment as XX/XX/XXXX, Experian  reporting last payment as XX/XX/XXXX, and XXXX  reporting last payment as XX/XX/XXXX, which inaccurate reporting, delete this account. Also, the 2-year payment history is reporting different information from XX/XX/XXXX to XX/XX/XXXX, which makes this account inaccurate, delete this account per violation. For your records and my proof, I enclosed a snapshot of my credit reports.

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 2020-03-01 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: TX

Complaint narrative:
XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report is reporting inaccurate and different information between credit agencies. XXXX reporting high credit as XXXX, XXXX  is reporting high credit as XX/XX/XXXX, and Equifax is reporting high credit as XXXX, which inaccurate reporting, delete this account. In addition, XXXX  is reporting last payment as XX/XX/XXXX, XXXX  reporting last payment as XX/XX/XXXX, and Equifax reporting last payment as XX/XX/XXXX, which inaccurate reporting, delete this account. Also, the 2-year payment history is reporting different information from XX/XX/XXXX to XX/XX/XXXX, which makes this account inaccurate, delete this account per violation. For your records and my proof, I enclosed a snapshot of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
CLAIMING I OWE AN {$450.00} AMOUNT BUT HAVE FAILED TO PROVIDE DOCUMENTATION OF ANY LEGAL CONTRACT WITH MY SIGNATURE. 
I SENT DISPUTES WITH THE BUREAUS AND THEM DIRECTLY AND HAVE FAILED TO PROVIDE DOCUMENTATION.

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 2020-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: OH

Complaint narrative:
On or about XX/XX/XXXX Fedloan Servicing inappropriately sent my account into default. We had sporadically been late or had fallen behind due to a serious medical condition, but were told by Fedloan after multiple calls we were still in good standing. Around that time the Dept. of Education ( DOE ) notified me that I had to go through a loan rehabilitation due to reporting from Fedloan. We reluctantly agreed to and entered the rehab XX/XX/XXXX and successfully completed the program XX/XX/XXXX. During this time, our mutually agreed payment was being remitted to the DOE since no other instruction was given during this time to change payment elsewhere. After many hours of corresponding with the DOE and Fedoan I discovered the DOE would forward the payment every 3 months to Fedloan. During the entirety of the loan rehab and up until today, Fedloan has been sending negative damaging information to all credit reporting bureaus due to an ongoing administrative error on their part. This has caused extreme financial hardship to me and and my family to the point that it has essentially ruined our lives. This company is extremely difficult to contact and work with to try to settle the dispute. I have spent hundreds of hours on the phone, online, direct mailings and filing dispute forms as well as providing proof of timely payment to them or the DOE. The most recent dispute was filed several weeks ago with once again no response. This company has the worst customer service I have ever experienced. I will furnish all supporting documentation upon request. I will not waste more time proving my compliance to the loan conditions that the DOE and Fedloan had set forth until I have assurance this forum is real and intend to pursue this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I purchased a ring back in XXXX of XXXX as a gift for my wife. The ring was a special order AND Helzberg had a special, 0 % financing so I figured Id use that with an existing Helzberg Capital One card that I had from when I got engaged. When I gave the saleswoman my information at the Helzberg store she was able to pull my credit card that way and issue a payment that way ( I had my old card destroyed so this was the best way to get 0 % and not have to open another card ). She updated my information on file to make sure the statements went to the right address and I was in my way. 

When I purchased the ring it had to be made so I wasnt able to get the the ring until mid-XXXX of XXXX so I figured that would be why I didnt receive a statement from the company. However, after a month of not getting anything I decided to check in and noticed on XXXX XXXX that this was flagged as delinquent and resulted in a negative mark on my credit ; this dropped my score nearly 80 points. 

After 4 hours between departments today ( XX/XX/XXXX ) it turns out that Capital One has been sending my statements to the incorrect address for months and decided to never get in contact with me. It went on to the point that the Post Office informed them that it was the incorrect address but still no effort was made to contact me so that I could pay and be in good standing. It took todays call for me to discover that, the multiple reps apologized and admitted that it was indeed the wrong address and they waived the late fees and took a payment over the phone. However, when I asked them to report the account as current and to get rid of the bad report To the Credit Bureaus they stated that they would not. I have paid my bill and updated my information but it took ME to call THEM to get the issue that was caused on their end to begin with to fix the billing error. Now my credit has been damaged tremendously and Im stuck waiting for them to send me paper statements showing the incorrect address so that I can file a dispute with XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-01 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 — Problem with personal statement of dispute
Company: Arbor Professional Solutions, Inc.
State: MI

Complaint narrative:
all started over 7-8 years ago. I had no health insurance and was in need of medical help. I was under the guise that any debt over 2-4 years old is not supposed to reflect negative on credit report, but can still be on report, just not have a negative impact on it. Not the case on mine. This company has been reporting for entire time as different companys to make it look like it is a new debt, therefore negatively impacting my credit for this entire time. How is one suppose to " fix '' credit if they-the shadey companies, keep adjusting there names so it looks like a new debt? I recieved a threating phone call from the company explaining to me that if i didnt pay they would keep on doing this and i will never get my credit score over 600. They cslled so many times i changed my #, unfotunatly i do not have the money to pay off all these old debts. I was going to fiole for chapter XXXX bankruptcy, but i just dont have the money for that either. I have sucessfully removed almost all other medical debts on my credit xcept for theese. Please look into this company. I know they are not acting entirely above the law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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: TX

Complaint narrative:
XX/XX/2020 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Based on my first dispute, XXXX  deleted this account because it was in violation. But yet, XXXX  and Equifax are still reporting this inaccurate account with different information, which is in violation, delete per violation. XXXX  reporting high credit as zero, and Equifax is reporting high credit as XXXX, this is different information, delete this account. In addition, XXXX  is reporting two-year payment history as unknown and yet Equifax is reporting two-year history as current, all in green, per violation delete this account. For your records and my proof, I have enclosed a snapshot of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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:
XX/XX/2020 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX XXXX XXXX. XXXX XXXX XXXX, Fl XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Based on my first dispute, XXXX  deleted this account because it was in violation. But yet, Experian and XXXX  are still reporting this inaccurate account with different information, which is in violation, delete per violation. Experian reporting high credit as zero, and XXXX  is reporting high credit as XXXX, this is different information, delete this account. In addition, Experian is reporting two-year payment history as unknown and yet XXXX  is reporting two-year history as current, all in green, per violation delete this account. For your records and my proof, I have enclosed a snapshot of 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 2020-03-01 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: TX

Complaint narrative:
XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX/ XXXX XXXX. XXXX XXXX XXXX, Fl XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Please note, that XXXX  and XXXX  have already deleted this account as it was in violation. Per Equifax reporting account status, it states derogatory, date of last payment was XX/XX/XXXX, and two-year payment history is reporting current for the past 2 years. This is inaccurate information, delete per violation. For your records and my proof, I have enclosed a snapshot of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2019 I entered into an unsecured loan with XXXX XXXX of XXXX WI for the sale and installation of an inground pool. XXXX XXXX determined that I didn't have enough equity in my home to qualify for a home equity line of credit for the project so the offered an unsecured revolving line of credit. In XX/XX/2019 without my cause and without notifying me XXXX XXXX placed a lien on my home in XXXX XXXX Texas. XXXX XXXX still continues to report the debt as an unsecured debt to the 3 major credit bureaus despite securing the debt with real estate. The loan should have converted to home equity line of credit allowing me to deduct the interest on the interest of loan. My former spouse is still on the title of the property she was not notified of a lien or judgement placed against her interest. This lien places my former spouse and I in an economic disadvantage regarding the ownership of our home.

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 2020-03-01 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:
XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX/ XXXX XXXX. XXXX XXXX XXXX, Fl XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Please note, that Transunion and XXXX  have already deleted this account as it was in violation. Per XXXX  reporting account status, it states derogatory, date of last payment was XX/XX/XXXX, and two-year payment history is reporting current for the past 2 years. This is inaccurate information, delete per violation. For your records and my proof, I have enclosed a snapshot of 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 2020-03-01 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:
XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX : XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Sd XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported.

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. 

I have enclosed a snapshot of my credit report showing the reporting. XXXX  reporting high credit as XXXX, Experian reporting high credit as XXXX, and XXXX  reporting high credit as XXXX, you can not report different inaccurate information between credit agencies, delete per violation. Again,  XXXX  reporting credit limit as XXXX, Experian credit limit as XXXX, and XXXX  credit limit as XXXX, but each credit agencies is reporting a past due amount of XXXX, Per law, you can not report a past due balance on an derogatory account, per violation delete this account. In addition, XXXX   reporting last payment as XX/XX/XXXX, but the two-year payment history states current for the months of XX/XX/XXXX & XX/XX/XXXX, which is in violation delete this account. I have enclosed a snapshot of my credit report showing the reporting.

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 2020-03-01 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: TX

Complaint narrative:
XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Sd XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported.

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. 

I have enclosed a snapshot of my credit report showing the reporting. XXXX reporting high credit as XXXX, XXXX  reporting high credit as XXXX, and Equifax reporting high credit as XXXX, you can not report different inaccurate information between credit agencies, delete per violation. Again,  XXXX  reporting credit limit as XXXX, XXXX credit limit as XXXX, and Equifax credit limit as XXXX, but each credit agencies is reporting a past due amount of XXXX, Per law, you can not report a past due balance on an derogatory account, per violation delete this account. In addition, Equifax reporting last payment as XX/XX/XXXX, but the two-year payment history states current for the months of XX/XX/XXXX & XX/XX/XXXX, which is in violation delete this account. I have enclosed a snapshot of my credit report showing the reporting.

Company response to consumer: Closed with explanation