vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-21 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: WA

Complaint narrative:
In a recent dispute XXXX XXXX, Sr. Consumer Relations Specialist from Equifax , said that the following accounts were verified.XXXX XXXX XXXX XXXX regarding accounts XXXX, XXXX, XXXX and XXXX how is this possible? What was your method of verification. Please send me all documents used to verify these inaccurate accounts, I have no record this information. Please delete these account because they reporting inaccurately affecting my creditworthiness. I am the process of trying rent an apartment for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I am trying to link my Barclays us account with XXXX but Barclays is blocking and will not let me transfer funds.i also am not able to receive a debit card in the states either. Barclays is not a good bank to have if you live in the states.

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 2018-02-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been disputing an inaccuracy for years. I attended arbitration court and the arbitration judge indicate on XX/XX/XXXX. That all credit beaures need to delete XXXX XXXX and XXXX XXXX. As of XX/XX/XXXX all credit bureaus honored the judges request except Experian. I spoke to Experian on XX/XX/XXXX to see if they received the letter from arbitration. They indicated yes but all they can do is dispute the claim. I again called on Wednesday XX/XX/XXXX and XX/XX/XXXX and the only thing they stated was. 1 ) Yes they received the letter from the judge. 2 ) The only thing they can do is disput it because their a third party entity and the individual thats doing the disputing has no rights. The agency is always right and if they indicated it's should remain than it will remain inspire of a judges demand. Experian indicated to me on that Friday XX/XX/XXXX. The judges request has no jurisdiction if the individuals I'm disputing states it's factual than I'm over rules. I asked the representative in the dispute department to please repeat it so that their company recording could hear what is being said. Yes, Experian has all if my certified letters requesting XXXX, and XXXX XXXX  be removed along with the judges ruling but they refused. They are aware in several certified letters as well as my request for assistance for the 3rd time from CFPB that they are tarnishing my credit, my name, and I am paying a high interest rate on my car and I'm unable to purchase a home in a decent area due to this information on my record. Experian has absolutely no empathy for their customers. Non what so ever.

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 2018-02-21 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: IL

Complaint narrative:
Public records on credit reports are invaild and all three credit bureaus refuse to remove them ; they have not furnished me the source of where this invalid information is coming from and its all wrong the date filed, dismissed, amounts, reference numbers are all wrong ; I have request validation from court houses and was advised they do not valid public records for consumers or credit bureaus ; I have disputed this information and have not been processed correctly Child support should not be on reports at all and the bankruptcy isn't valid failure to remove will result in civil case such as Civil Case # : XXXX XXXX XXXX v. Equifax and child support violates Public Law 805-C3. need bankruptcy and all 3 child support accounts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: IL

Complaint narrative:
Public records on credit reports are invaild and all three credit bureaus refuse to remove them ; they have not furnished me the source of where this invalid information is coming from and its all wrong the date filed, dismissed, amounts, reference numbers are all wrong ; I have request validation from court houses and was advised they do not valid public records for consumers or credit bureaus ; I have disputed this information and have not been processed correctly Child support should not be on reports at all and the bankruptcy isn't valid failure to remove will result in civil case such as Civil Case # : XXXX XXXX XXXX v. XXXX and child support violates Public Law 805-C3. need bankruptcy and all 3 child support accounts removed.

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 2018-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCC Business Services, Inc.
State: PA

Complaint narrative:
My son ( XXXX ) fianc ( XXXX XXXX XXXX  ) and my self lived in a two bed room town house that we were renting. The bathroom leaked and we had a flood that went through the ceiling to the first floor the flood was serious and XXXX  from the bathroom went through the ceiling as well. Instead of them fixing the problem they just brought fans in and cut the ceiling out. That night we had to sleep at a family members house. They told us the next day that they fixed the problem so we came back but had a family friend who does work in that field expect the house due to my fianc being XXXX XXXX XXXX and my son having bad XXXX. He checked the house out and stated the house has a lot of mold due to the problem not being fixed they just patched it up. I spoke with the office and he told them the concerns and health hazards that could occur. My fiancs doctor told her it wasnt safe for her to stay in the house due to Mold. Again we slept at a family members house for them to try to fix the problem we came back and they just were making excuses of why it wasnt fixed. I gave them a two week notice due to it being a health hazard for my XXXX fianc and son and they stated they were in agreement and recently we got that place on our credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Data Systems
State: WV

Complaint narrative:
I was applying for a mortgage and found a {$180.00} collection on my accounts for from financial data systems. My ex-husband was court ordered to pay this debt and never did. I was under the assumption that he had paid it, until a loan officer pulled my credit. I tried to dispute under reason of " no longer liable due to divorce ''. I don't have the time to wait for the dispute process, and My loan officer told me that it would be best to have this collection removed from my report as soon as possible so that I can obtain pre-qualification for a mortgage, which I CAN NOT DO WITH THIS COLLECTION ON MY REPORT. So I went ahead and paid the debt on XX/XX/2018 IN FULL to financial data systems. I spoke to a lady named XXXX and she took the payment over the phone and I asked her would this be removed from my credit report. I REPEATEDLY ASKED IF CREDIT BUREAUS WOULD BE NOTIFIED SO THIS WOULD BE REMOVED FROM MT CREDIT REPORT. She told me that first thing the next business day the information would be sent to all three credit reporting agencies. HOWEVER, this item is still showing on my credit report. I have disputed this item with all three credit bureaus via online dispute forms. I decided to do a follow up phone call with the 3 bureaus today. I was told that they have not received any communication from financial data systems as to the status of this account. I was told this account could not be removed from my credit report unless financial data systems tells the credit bureaus to delete it. I have copies of the receipt where the debt was paid in full.

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 2018-02-21 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: GA

Complaint narrative:
Hi I sent certified letters within the last three months to all three credit bureaus and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: GA

Complaint narrative:
Hi I sent certified letters within the last three months to all three credit bureaus and have not received a response.

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 2018-02-21 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: GA

Complaint narrative:
Hi sent certified letters with in the last three months to all three credit bureaus and have not received a response.

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 2018-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
Experian Credit Report Company. They claim free credit report. When your alerted to a problem, your told to check your credit report and every time there has been no problem. What happens when you order your {$1.00} Credit repor and FICO Score you begin a 7 day trial membership. If you don't cancel within the 7 day trial period, you will be charged {$21.00} per month that you continue membership ( my charges have been {$2400.00} per month ). I tried to cancel many times but you can not get in contact with anyone. Phone calls are not answered, only put on hold. This has been going on monthly since XX/XX/XXXX ( {$190.00} ). Again, I have tried several times to cancel the so called membership but no answer per emails or website. This is truly a scam and needs to stop. I'm not alone as you can read below taken from Experian reviews taken from the Web : XXXX of XXXX, NY Verified Reviewer Original review : XX/XX/XXXX They trick you into ongoing membership and it's nearly impossible to cancel - they put you on hold OVER AN HOUR! Just filed a complaint with the Consumer Finance Protection Bureau. Supposedly they will investigate and contact them. Please file a complaint here https : //www.consumerfinance.gov/ and  maybe something will be done! 

XXXX of XXXX, MA Verified Reviewer Original review : XX/XX/XXXX Same story as everyone. I paid for a credit report and randomly discovered charges to my credit card from Experian. Now I get to wait on the phone for >2hrs to cancel the membership I didn't want, I didn't know I signed up for, and that I need to waste a lot of my time untangling. Absolute **. Absolute scam. And, absolutely no surprise that everyone else has nothing but horrible things to say about Experian. 
XXXX of XXXX, OR Verified Reviewer Original review : XX/XX/XXXX XXXX of XXXX, OR Verified Reviewer Original review : XX/XX/XXXX To get a credit freeze, after the big XXXX data breach, Experian asked for a lot of information, and then at the end of the filling out info turns out they were trying to SELL me not help me, for $ XXXX/month. I called in the very day and after being on hold for a very long time, they told me they cancelled it, which they did not, and I've been charged ever since XX/XX/XXXX. When I called and complained they said they would cancel me -- but remember they already did that in XX/XX/XXXX, and they offered to give me a month of the more than 80 they charged me. VERY bad customer service, and unfair billing practices. Not a happy customer, and sounds like I am not alone.

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 2018-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To whom it may concerne I am requesting for XXXX XXXX and XXXX XXXX to fix my credit to be they way I had it XXXX credit limited not at XXXX credit limited that they did to my account. They need to stop this GIMMICK SCAM and CORRUPTION with this both company. 

Doing a follow up with the complaint ID on file XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: IL

Complaint narrative:
have been trying to get negative items removed from credit reports ; I have always paid cash for items ; have never had a XXXX XXXX account there is not contract the account is not mine would like it to be removed along with all the errorous XXXX  accounts I do not have any children never been married so do not know how or why someone child support account would end up on my file and numerous time there is like 5-6 different account numbers all varies amounts, dates etc which are all invalid because I do not have any children, have contacted XXXX they state I am not in their systems and they do not send in information to credit reporting agencies so do not know how its attached to my file would like it removed immediately.

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 2018-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
my car was taken while I was in the hospital but payments were auto pay. the company were afraid a tow company would take title for storage. so basically they forced the repossession, on a car that was up to date on payments

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 2018-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
my job is wrong my address is wrong phone number wrong been marr4ie3d for XXXX years almost

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 2018-02-21 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: MI

Complaint narrative:
On XX/XX/XXXX I received an alert that I have a " flagged Collection '' from XXXX XXXX XXXX on my Experian credit report, for XXXX. On the XX/XX/XXXX I made a complaint against this company for harassing me for a debt that I do not owe them. The " balance '' they are referring to for this particular account was with someone else and that company has been paid in FULL before this was reported to my credit report. I am sending this complaint to report that Experian has allowed this company to report FALSE and fraudulent charges to my report and has NOT validated this debt, because if they did hey 'd see that I do not owe it. They have placed this account on report in revenge of me disputing it with them in writing. This is the THIRD fraudulent account that Experian has allowed them to place on my report without VALIDATING. They allowed XXXX XXXX XXXX to place a debt on my account on XX/XX/XXXX for a debt that they have said was obtained in XX/XX/XXXX but have the remark listed " included in bankruptcy " well how is it that you have bankruptcy listed for me completed in XX/XX/XXXX but accepted a collection " included '' in that said bankruptcy dated a year later. How is that legal??? I want all these fraudulent accounts off of my report. I have contacted you multiples times regarding this company so I have no choice but to take it as far as possible that I am rightfully allowed to. I have attached some documents that this company sent to me which in BLACK & WHITE and proves I do not owe them ANYTHING, and the " debt '' they have me listed under belongs to another company dated from XX/XX/XXXX and 2. that they legally should not have been able to place ANYTHING on my credit report. 3. I have sent Experian certified letters requesting copies of documents used to VALIDATE this debt and they have YET to send me anything validating it or proof of any sort. They are just brushing this all under the wrong and its causing deformation of MY character. If Experian did have docements supporting this then it would have NEVER been placed on my report to begin with seeing as thisndebt was sold illegally AFTER discharged in that said bankruptcy. This is ridiculous.

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 2018-02-21 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: WI

Complaint narrative:
Since XX/XX/XXXX, I have been trying to have Equifax and XXXX to update my credit report, delete unquiries XXXX XX/XX/XXXX and accounts older than 7 years old. Equifax still reporting a collection that I am no liable for, even after evidence from my health insurance has been submitted showing I have no responsibility. Equifax per information submitted to my previous complain stated that they verify my name but did not acknowledge the insurance evidence, the collection needs to be removed, I also notified the bureaus that on XX/XX/XXXX, my license, social security cards were stolen, there have been inquiries to my credit even after I placed a freeze and yet the bureaus have failed to prove that it was in fact me who made the requests. And lastly they are reporting accounts that are more than 7 seven years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: IL

Complaint narrative:
have been trying to get negative items removed from credit reports ; I have always paid cash for items ; have never had a XXXX XXXX account there is not contract the account is not mine would like it to be removed along with all the errorous XXXX accounts I do not have any children never been married so do not know how or why someone child support account would end up on my file and numerous time there is like 5-6 different account numbers all varies amounts, dates etc which are all invalid because I do not have any children, have contacted XXXX they state I am not in their systems and they do not send in information to credit reporting agencies so do not know how its attached to my file would like it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: IL

Complaint narrative:
have been trying to get negative items removed from credit reports ; I have always paid cash for items ; have never had a XXXX XXXX account there is not contract the account is not mine would like it to be removed along with all the errorous XXXX  accounts I do not have any children never been married so do not know how or why someone child support account would end up on my file and numerous time there is like 5-6 different account numbers all varies amounts, dates etc which are all invalid because I do not have any children, have contacted XXXX they state I am not in their systems and they do not send in information to credit reporting agencies so do not know how its attached to my file would like it removed immediately.

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 2018-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I was on XXXX looking at flights when the American Express advertising appeared! Its stated I would recevive a {$200.00} credit statement ... .. come to find out, they are not giving me a credit ... please help me as a consumer.

Company response to consumer: Closed with explanation