vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-12 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: OH

Complaint narrative:
Dear CRA, My name is XXXX XXXX XXXX, my SS # is XXXX. 
I am sending this dispute THROUGHT CFPB make sure you receive i. 
There is no such judgment of record for XXXX XXXX from this Court for this date for this amount from this creditor. 
I have certified documentation from the Court that supports my dispute of this erroneous entry on my report.

If this entry is verified, please send me the name and address of the provider or furnisher providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 
As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, XXXX or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. 
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. 
Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from XXXX XXXX XXXX credit reports. I demand the account be verified or 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 2018-08-12 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: GA

Complaint narrative:
XXXX AND EXPERIAN BOTH RAISED THE BALANCE ON MY XXXX XXXX AUTO LOAN BY {$2.00} THEN XXXX  PUT A REMARK ON MY CREDIT REPORT FOR THE LOAN STATING FIXED RATE. SO NOW MY XXXX XXXX AUTO LOAN HAS A BALANCE OF {$26000.00}. AND THEY DID AN UPDATE WITH REPTTING WHAT XXXX XXXX SENT THEM. THEY PURPOSELY DID THIS UNLAWFUL LY I AM SENDING MY BILL STATEMENT WITH THIS COMPLAINT FOR THE MONTH OF XXXX WHICH SHOULD BE RY HE CORRECT BALANCE FOR THE XXXX REPORTING DATE. It's a woman by the name of XXXX XXXX at EXPERIAN that is the main person messing up my credit report purposely having her colleagues put in the wrong information and red flag my file. She is abusing her position and authority by doing this.

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 2018-08-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Reese Law Group
State: CA

Complaint narrative:
COMPANY FILED LAW SUIT AGAINST ME WITHOUT ME BEING SERVED, AND DOCUMENTATION WAS SAID TO BE DELIVERED IN PERSON TO ME BUT I WAS IN XXXX.I HAVE EVIDENCE I WAS IN XXXX.COMPANY SAYS THERE A COLLECTION COMPANY BUT USES LAW FIRM ADDRESS.COMPANY IS TRYING TO ASK FOR MORE THAN OWED.COMPANY USED DECEPTIVE ACTIONS TO GET A JUDGEMENT IN THE RENEWAL OF THIS CASE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I, XXXX XXXX, contacted Equifax via fax on Monday, XX/XX/XXXX to correct the problem of being unable to locate a credit file. In return, I received a letter in the mail stating that they are unable to locate a credit file for the following reasons : not having a current file, having not applied credit recently and have not actively used credit in the past ten years. Both other credit bureaus have been able to accurately supply a credit score, however Equifax is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 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: NV

Complaint narrative:
I made my payment on my credit card to XXXX aka the XXXX XXXX XXXX, and it was purposely held until after they reported it to the credit bureaus, dropping my credit score. I made the payment on the XX/XX/XXXX and the held it until after they reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC
State: GA

Complaint narrative:
I applied for an auto loan through Carvana and was originally approved for financing. When I  selected a vehicle and submitted the required documentation i was told by my underwriter that she had to adjust my income based on their own guidelines. As a result i was unable to finance the first vehicle i selected. I then proceeded to select a second vehicle within the guidelines set by my underwriter ( XXXX ). Upon completing all the requirements and a verification call with my bank to verify deposits I was told that they had everything they needed. I verified my funds for deposit and afterward i received a call saying that the guidelines that were set by my first under writer were no longer valid and that half of my income would not be accepted. I asked for a copy of the company 's financing policy that outlines acceptable and non accepted forms of income. I was denied this information. I believe that when i sent a copy of my license and they saw that i was XXXX they decided not to lend to me. There is no document or policy stated on their website that excludes any forms of income however i was denied because part of my income comes from online sales.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
COMPANY FILED LAW SUIT AGAINST ME WITHOUT ME BEING SERVED, AND DOCUMENTATION WAS SAID TO BE DELIVERED IN PERSON TO ME BUT I WAS IN XXXX.I HAVE EVIDENCE I WAS IN XXXX.COMPANY SAYS THERE A COLLECTION COMPANY BUT USES LAW FIRM ADDRESS.COMPANY IS TRYING TO ASK FOR MORE THAN OWED.COMPANY USED DECEPTIVE ACTIONS TO GET A JUDGEMENT IN THE RENEWAL OF THIS CASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Service, Inc (FL)
State: GA

Complaint narrative:
I attempted multiple times to recieve more information on the debt owed and the collector refused to give me any information but wants me to settle debt. Collection has been removed from all credit bureaus due to lack of information except XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc.
State: NC

Complaint narrative:
NCC Business Svcs Inc XXXX XXXX XX/XX/2015 for XXXX False charges. 
This issue was resolved with XXXX XXXX from XXXX XXXX. 
There was black mold in the apartment and by NC Regulations Inhabitable and Hazardous to live in. 
These are false charges and predatory practices of harrassment from the former manager at XXXX XXXX. She harrassed me with outstanding false billing and lied about these charges. 
This is not my account.I owe no debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 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: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have been making payments to Navient in regards to bringing my past due account current. I was told by a customer service rep at Navient upon agreement that as long as I am making payments according to the agreement to bring my account current, that I would not be reported any further delinquent on my credit report. I recently received an alert that I was reported 120 days late and I have made payments on- time according to the agreement with Navient . They have therefore reneged on their part of agreement with me to not report my account any further delinquent when I have made payments on time according to the agreement set forth 2 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 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: OH

Complaint narrative:
I have been making payments to XXXX in regards to bringing my past due account current. I was told by a customer service rep at XXXX upon agreement that as long as I am making payments according to the agreement to bring my account current, that I would not be reported any further delinquent on my credit report. I recently received an alert that I was reported 120 days late and I have made payments on- time according to the agreement with XXXX . They have therefore reneged on their part of agreement with me to not report my account any further delinquent when I have made payments on time according to the agreement set forth 2 months ago.

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 2018-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Portfolio RC continues to reinsert three accounts that have already been settled and paid. The accounts initially reported to XXXX as a collection account on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. On XX/XX/XXXX the debt owed was paid and settled and Portfolio RC reported this to the bureau. Since that time the accounts have been removed 4 different times after Portfolio continues to report and reinsert these derogatory accounts even though they are paid & settled as agreed upon. 

XX/XX/XXXX- all 3 accounts removed from credit report Between XX/XX/XXXX-XX/XX/XXXX Portfolio RC reports & reinserts all three accounts back on my report XX/XX/XXXX- all 3 accounts removed from credit report XX/XX/XXXX- Portfolio RC reports & reinserts all three accounts back on my report XX/XX/XXXX- all 3 accounts removed from credit report Between XX/XX/XXXX- XX/XX/XXXX Portfolio RC reports & reinserts all three accounts back on my report. 

XX/XX/XXXX- all 3 accounts removed from credit report XX/XX/XXXX- Portfolio RC reports * reinserts all three accounts back on my report. 
( Record of Accounts Activity & Updates attached ) In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), the consumer is to be notified of any reinsertion in writing within 5 business days. 

( B ) Requirements relating to reinsertion of previously deleted material. 

( ii ) Notice to consumer if any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I have received no such notification & this is a very serious violation of the FCRA. Not to mention, each time Portfolio RC reports & reinserts these accounts on my XXXX  credit report my credit score decreases by 20-30 points every time! When they accounts are removed I only gain 5-7 of those points back, which is tremendously affecting my credit score and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX continues to reinsert three accounts that have already been settled and paid. The accounts initially reported to Transunion as a collection account on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. On XX/XX/XXXX the debt owed was paid and settled and XXXX XXXX reported this to the bureau. Since that time the accounts have been removed 4 different times after XXXX continues to report and reinsert these derogatory accounts even though they are paid & settled as agreed upon. 

XX/XX/XXXX- all 3 accounts removed from credit report Between XX/XX/XXXX-XX/XX/XXXX XXXX XXXX reports & reinserts all three accounts back on my report XX/XX/XXXX- all 3 accounts removed from credit report XX/XX/XXXX- XXXX XXXX   reports & reinserts all three accounts back on my report XX/XX/XXXX- all 3 accounts removed from credit report Between XX/XX/XXXX- XX/XX/XXXX XXXX XXXX reports & reinserts all three accounts back on my report. 

XX/XX/XXXX- all 3 accounts removed from credit report XX/XX/XXXX- XXXX XXXX reports * reinserts all three accounts back on my report.

( Record of Accounts Activity & Updates attached ) In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), the consumer is to be notified of any reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material.

( ii ) Notice to consumer if any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I have received no such notification & this is a very serious violation of the FCRA. Not to mention, each time XXXX XXXX reports & reinserts these accounts on my Transunion credit report my credit score decreases by 20-30 points every time! When they accounts are removed I only gain 5-7 of those points back, which is tremendously affecting my credit score and creditworthiness.

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 2018-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I live in Louisiana during Hurricane Katrina the address that I received a govt grant for was XXXX XXXXXXXX XXXX  XXXX, LA XXXX. The govt requested that I provide proof of residency which I did. Several people in different cities claimed that they lived in my home and the govt said that i did not live there that's why i have to repay the grant money I received and this is not correct. I verified I live at that property, so this should be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 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: RFNA, LP
State: LA

Complaint narrative:
I began receiving calls and notices from XXXX XXXX a company located in XXXX Louisiana approximately 8 years ago. The claimed that I had taken a loan out with them in which I had never did. I requested numerous times for them to provide to me paperwork of this loan showing my ID or my signature which I never got. Since then they have been reporting this to the credit bureau which has caused my credit score to suffer drastically. I recently received a XXXX from them for this year which I did not file on my taxes because this has never been my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have never been late with XXXX XXXX XXXX they advised me to file a dispute with the credit agency 's. They don't show lates in their system

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 2018-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
several items on credit report over 7 years old

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have never been late with XXXX XXXX XXXX they advised me to file a dispute with the credit agency 's. They don't show lates in their system

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 2018-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX states on my credit report that I owe on an account for XXXX {$450.00}, I do not owe this amount I paid my final bill with XXXX I will like to receive a bill review of all payments that were credited to my account along with all the monthly bills.

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 2018-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX states on my credit report that I owe on an account for XXXX {$450.00}, I do not owe this amount I paid my final bill with XXXX I will like to receive a bill review of all payments that were credited to my account along with all the monthly bills.

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 2018-08-12 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: Clarity Services
State: CA

Complaint narrative:
Found Clarity Services Credit inquiry alert. I did not apply for credit and have no knowledge if this company. Since this happened in the last 24 hours my email has been flooded with payday loan inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX IS TRYING TO COLLECT ON A DEBT THAT WAS ALREADY PAID TO 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 2018-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Central States Recovery, Inc.
State: KS

Complaint narrative:
They call after hours past XXXX at night, they call 20 times a day or more. Constant all the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX IS TRYING TO COLLECT ON A DEBT THAT WAS ALREADY PAID TO 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