vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-08 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: CO

Complaint narrative:
I have attempted to to file a dispute online every time a upload a file is States that the website is frozen what is not responding.I 've tried contacting them with no response. I have been disputing XXXX XXXX for almost a month now they are past their time frame to collect. the information is incorrect and they refused to collect on this account. I am requesting that XXXX XXXX be removed along with inquiries that include XXXX and XXXX XXXX twice. I can not seem to get through. I also sent a letter to XXXX XXXX with no response. I want by XXXX XXXX   removed. they have violated the FDCPA Laws and the Fair Credit Debt Collection Acts. Federal laws have been violated. XXXX cancelled the acct they broke contract NOT ME. They are not supposed to be attempting to collect! when I try resolving this account XXXX XXXX hung up on me more than 6 times so I want XXXX XXXX remove immediately. acct balance is incorrect and XXXX XXXX allegedly had this acct since XX/XX/18 and have not attempted to collect or when I called them hung up on me. and did NOT validate balance or accuracy and disconnected every call when I reached out to them. they null and voided their rights to collect due to XXXX writing off and receiving credit for written off balances. Amounts were ALLEGEDLY owed to XXXX NOT XXXX XXXX. I wrote a letter I want it removed. I have 18 acts in great standing I think I would have resolved this one. I will file suit of XXXX in Colorado and file complaint with FDCPA with minimum fines starting at {$10000.00} per violation for damage to my credit. I have filed a complaint with XXXX and has not responded. XXXX  has removed this acct but not XXXX or transunion

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 2018-09-08 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: CO

Complaint narrative:
I have attempted to to file a dispute online every time a upload a file is States that the website is frozen what is not responding.I 've tried contacting them with no response. I have been disputing XXXX XXXX for almost a month now they are past their time frame to collect. the information is incorrect and they refused to collect on this account. I am requesting that XXXX XXXX be removed along with inquiries that include XXXX and XXXX XXXX  twice. I can not seem to get through. I also sent a letter to XXXX XXXX with no response. I want by XXXX XXXX   removed. they have violated the FDCPA Laws and the Fair Credit Debt Collection Acts. Federal laws have been violated. XXXX cancelled the acct they broke contract NOT ME. They are not supposed to be attempting to collect! when I try resolving this account XXXX XXXX hung up on me more than 6 times so I want XXXX XXXX  remove immediately. acct balance is incorrect and XXXX XXXX  allegedly had this acct since XX/XX/18 and have not attempted to collect or when I called them hung up on me. and did NOT validate balance or accuracy and disconnected every call when I reached out to them. they null and voided their rights to collect due to XXXX writing off and receiving credit for written off balances. Amounts were ALLEGEDLY owed to XXXX NOT XXXX XXXX. I wrote a letter I want it removed. I have 18 acts in great standing I think I would have resolved this one. I will file suit of XXXX in Colorado and file complaint with FDCPA with minimum fines starting at {$10000.00} per violation for damage to my credit. I have filed a complaint with XXXX and has not responded. XXXX has removed this acct but not Experian or transunion

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 2018-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following inquiry needs to be removed immediately : XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, AZ XXXX  BYMAILONLY XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, SC XXXX  ( XXXX ) XXXX XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX  ) XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX/XXXX  XX/XX/XXXX XX/XX/XXXX Complete Department Stores XXXX XXXX XXXX XXXX, FL XXXX  ( XXXX ) XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. Sincerely, 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 2018-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I was told by the agent ( Navient ) that my loans would be back dated for forbearance. 
, As well they actually have noted that all my loans were due at the same in reality they weren't, I had have recently have consolidated all my loans, but I have 17, late payments on one report, on another I have 45 late payments, all these years my children have had to suffer due to mistakes that have inadvertently affected my credit for years

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MS To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following inquiry needs to be removed immediately : XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, AZ XXXX BYMAILONLY XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX   ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, GA XXXX  ( XXXX  ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, FL XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, FL XXXX ( XXXX  ) XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX, MS XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Complete Department Stores XXXX XXXX XXXX XXXX, FL XXXX ( XXXX  ) XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. Sincerely, 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 2018-09-08 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: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following inquiry needs to be removed immediately : XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX XXXX  BYMAILONLY XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX  ( XXXX  ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX  ) XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, FL XXXX  ( XXXX ) XXXX   XXXX/XXXX/XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX, MS XXXX  ( XXXX ) XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX, TX XXXX  ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Complete Department Stores XXXX XXXX XXXX XXXX, FL XXXX  ( XXXX  ) XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
Once I realized my credit had been compromised I went on a campaign to repair it one of the companies I came up against was National Credit Systems the original complaint came from XXXX XXXX XXXX XXXX to which I never lived at. I have been trying to get them to remove this from my credit report for years. It was actually removed from XXXX and XXXX for some reason it is still on XXXX. I didn't even get the chance to ruin my credit someone else did it for me I am trying to buy a house in the next two years and this is a problem. These people are rude I try to reach out them so that I can get the details of this account and they hang up or don't want to speak to me. I figure this is the best way so that we can take care of this once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I received an updated experian credit report today and still the accounts that I am disputing are still reporting. I tried to call experian XXXX you can't get through to speak to a person. I then tried to dispute the information ( AGAIN ) online and was unable to do so. There are 3 accounts that should not be reporting on my creidt report. 1 ). XXXX XXXXXXXX XXXX this account was deleted off my XXXX   report after there investigation. Experian should have received the same response and delete but they did not do it. 2 ). XXXX XXXX XXXX XXXX XXXX. This is a fraudulant account with fraudulant charges. It was investigated by XXXX and determined that there were fraudulant charges and deleted off my XXXX  report. Experian ( if they did a real investigation ) they would have received the same response to remove off the report. 3 ). XXXX department store. This account was NEVER paid late and again XXXX fixed it and put this account as accounts that are satisfactory and took it out of accounts that are potentially negative. Also my balances on my 2 XXXX XXXX cards are incorrect I do not owe as much as what they are reporting. My balances are much lower. Also my XXXX 's card I do not owe the balance they are reporting. I have been trying to clear this and fix my credit report to show the truth and experian I feel is not doing a complete investigation. I have also been threathened they will not re-investigate the XXXX  XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX unless I provide additional documentation. I should be able to dispute this as many times as I want as this is my creditworthiness and having this incorrect information is causing me a hardship. I can't even get to speak to a human to clear this problem.

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 2018-09-08 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: CORELOGIC INC
State: CA

Complaint narrative:
XXXX unauthorized credit inquiries XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Consumer Relations Department Consumer Disputes XXXX  XXXX XXXX XXXX XXXX, CA 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 2018-09-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I received an updated XXXX credit report today and still the accounts that I am disputing are still reporting. I tried to call XXXX XXXX you can't get through to speak to a person. I then tried to dispute the information ( AGAIN ) online and was unable to do so. There are 3 accounts that should not be reporting on my creidt report. 1 ). XXXX XXXXXXXX XXXX this account was deleted off my XXXX   report after there investigation. XXXX should have received the same response and delete but they did not do it. 2 ). XXXX XXXX  XXXX XXXX XXXX. This is a fraudulant account with fraudulant charges. It was investigated by XXXX and determined that there were fraudulant charges and deleted off my XXXX report. XXXX  ( if they did a real investigation ) they would have received the same response to remove off the report. 3 ). XXXX department store. This account was NEVER paid late and again XXXX fixed it and put this account as accounts that are satisfactory and took it out of accounts that are potentially negative. Also my balances on my 2 XXXX  XXXX cards are incorrect I do not owe as much as what they are reporting. My balances are much lower. Also my XXXX 's card I do not owe the balance they are reporting. I have been trying to clear this and fix my credit report to show the truth and XXXX I feel is not doing a complete investigation. I have also been threathened they will not re-investigate the XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX unless I provide additional documentation. I should be able to dispute this as many times as I want as this is my creditworthiness and having this incorrect information is causing me a hardship. I can't even get to speak to a human to clear this problem.

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 2018-09-08 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Based on the option I selected, the 'error ' is that JPM Chase and the bureaus continue to report two unverified, invalidated accounts without providing original documented proof. I have repeatedly disputed these two student loan accounts with JMP Chase and they continue to come back via the bureaus stating that the accounts ' info is all accurate, valid, verified, and mine -- all without providing a shred of proof to back this all up. Since XX/XX/2018, I have constantly asked for the original instrument of indebtedness in its original form bearing my actual, wet signature. It has been about 7 months and I still have not received this original documented proof that the account is 'mine ' and 'verified '. XXXX, in particular, has even had the audacity to tell me over the phone that they do not have to provide proof to the consumer on accounts. Seriously??? If I do not get proof from the bureaus or the original creditors, then where in the world am I supposed to get this information? As a consumer, do we not have a right to see the proof behind these so-called " valid '', " verified '', " accurate '' accounts? I am outraged that I have not received this proof from Chase or the 3 major bureaus in months. I have been monitoring my credit and making sure all accounts are validated in order to remain on my reports. I am trying to do my due diligence, but these companies are deliberately hindering this process by not giving me due process. Moreover, they are violating the FCRA & FDCPA. I demand that Chase provide the original instrument of indebtedness in its original form bearing my actual, wet signature for the two disputed accounts. If they do not have this, then I in turn demand that they DELETE these two truly unverified, invalidated, inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 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: Army and Air Force Exchange Service
State: AZ

Complaint narrative:
I notified XXXX XXXX XXXX that I was leaving for a XXXXXXXX XXXX. I set up auto bill pay with them before leaving, as I knew I wouldnt have internet most places. After arranging bill pay, I learned during a brief period of internet availability that they hadnt pulled the payments in 3 months, and had been reporting me to the credit bureaus. I paid the past due balance, notified them I was XXXX, and told them to pull all future payments automatically for the duration of the XXXX. I came back from another remote area of the country on XXXX and saw that it had gone past due again. The missed payments were XXXX, XXXX, and XX/XX/2017, then again XXXX of the same year. The missed payments have caused my credit score to take a more than 100 point hit. I have since paid off the account, but after disputing the circumstances with XXXX, the missed payments remain on 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