vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-11 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: FL

Complaint narrative:
XX/XX/2019, I mailed a letter to the United States Bankruptcy XXXX XXXX XXXX XXXX Florida and requested then procedure for verifying records with the credit reporting agencies. I received a letter dated XX/XX/2019 from the Bankruptcy Court stating, The Bankruptcy Court has no jurisdiction over credit reporting agencies. The Fair Credit Reporting Act, 6 U.S.C. paragraph 605, is the law that controls credit-reporting agencies. You may contact the Federal Trade Commission, Bureau of Consumer Protection ... ..

The Bankruptcy Court records are public records ; therefore, the court does not report any filings to the credit reporting agencies. Subsequently, I forwarded the letter from the Bankruptcy Court on XX/XX/2019 to XXXX XXXX, XXXX  and Transunion. I requested that they re-investigate the Bankruptcy that they were reporting on my credit file. Letter read, please validate this information with United States Bankruptcy XXXX XXXX XXXX XXXX Florida and provide me with copies of any documentation associated with this record. In the absence of being able to verify this record, I formally request this information be deleted from my credit file you maintain under my Social Security number. The response I received from XXXX, dated XX/XX/2019, stating the Results of Our Reinvestigation, public records XXXX obtained is from local, state and federal courts through a third party vendor, XXXX. I find XXXX  explanation for reinvestigating with the Bankruptcy Court lacking honesty, accuracy and fairness, especially since I placed a freeze with XXXX on XX/XX/2019. Additionally, I placed a freeze with XXXX, XXXX and XXXX, all for profit information-selling businesses.

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 2019-07-11 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: FL

Complaint narrative:
XX/XX/2019, I mailed a letter to the United States Bankruptcy Court XXXX District of Florida and requested then procedure for verifying records with the credit reporting agencies. I received a letter dated XX/XX/2019 from the Bankruptcy Court stating, The Bankruptcy Court has no jurisdiction over credit reporting agencies. The Fair Credit Reporting Act, 6 U.S.C. paragraph 605, is the law that controls credit-reporting agencies. You may contact the Federal Trade Commission, Bureau of Consumer Protection ... ..

The Bankruptcy Court records are public records ; therefore, the court does not report any filings to the credit reporting agencies. Subsequently, I forwarded the letter from the Bankruptcy Court on XX/XX/2019 to XXXX XXXX, XXXX and XXXX. I requested that they re-investigate the Bankruptcy that they were reporting on my credit file. Letter read, please validate this information with United States Bankruptcy Court XXXX District of Florida and provide me with copies of any documentation associated with this record. In the absence of being able to verify this record, I formally request this information be deleted from my credit file you maintain under my Social Security number. The response I received from XXXX, dated XX/XX/2019, stating the Results of Our Reinvestigation, public records XXXX   obtained is from local, state and federal courts through a third party vendor, XXXX. I find XXXX explanation for reinvestigating with the Bankruptcy Court lacking honesty, accuracy and fairness, especially since I placed a freeze with XXXX on XX/XX/2019. Additionally, I placed a freeze with XXXX, XXXX and XXXX, all for profit information-selling businesses.

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 2019-07-11 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: MO

Complaint narrative:
XXXX ; XXXX and Transunion are incorrectly reporting the XXXX account number XXXX. ( Please see pages 9 and 10 of the attached credit report. ) This account was paid in full over ( 60 ) days ago and the balance should have been updated on my credit report. I have contacted the ( 3 ) bureaus to have these line items updated, however I have not been successful. This incorrect reporting is harming my credit score. Please update to report accurately 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
Consumer complaint received 2019-07-11 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: MO

Complaint narrative:
XXXX ; Experian and XXXX are incorrectly reporting the XXXX   account number XXXX. ( Please see pages 9 and 10 of the attached credit report. ) This account was paid in full over ( 60 ) days ago and the balance should have been updated on my credit report. I have contacted the ( 3 ) bureaus to have these line items updated, however I have not been successful. This incorrect reporting is harming my credit score. Please update to report accurately 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
Consumer complaint received 2019-07-11 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: MO

Complaint narrative:
Equifax ; XXXX  and XXXX are reporting incorrectly lates on the XXXX XXXX account number XXXX. ( Please see page 4 of the attached credit report. ) These student loans were deferred and consolidated and therefore should not be reporting on my credit report. I have contacted the ( 3 ) bureaus to remove this item, however I was unsuccessful. This incorrect reporting is harming my credit score and these line items need to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: R.M. Galicia, Inc.
State: NC

Complaint narrative:
Progressive Management is reporting a medical debt of {$76.00} on my credit report. I have sent a request to have a verification and validation of that so called medical debt. The letter was received by the company on XX/XX/2019 as per my return slip and as of today XX/XX/2019, I have not had any response from the company yet its still being reported. 

As this is a medical debt showing I am really concerned over my HIPAA violation and would have loved to have this validated. I am requesting that this company stop reporting this debt as they have not been able to validate or verify as per my first request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: MO

Complaint narrative:
XXXX ; XXXX  and Transunion are reporting incorrectly lates on the XXXX XXXX account number XXXX. ( Please see page 4 of  the attached credit report. ) These student loans were deferred and consolidated and therefore should not be reporting on my credit report. I have contacted the ( 3 ) bureaus to remove this item, however I was unsuccessful. This incorrect reporting is harming my credit score and  these line items need to be deleted 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 2019-07-11 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: MO

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly lates on the XXXX XXXX account number XXXX. ( Please see page 4 of the attached credit report. ) These student loans were deferred and consolidated and therefore should not be reporting on my credit report. I have contacted the ( 3 ) bureaus to remove this item, however I was unsuccessful. This incorrect reporting is harming my credit score and these line items need to be deleted 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 2019-07-11 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:
I received a copy of my credit file and enclosed is an account list under XXXX XXXX XXXX XXXX for {$4400.00}, XXXX XXXX for {$150.00} and an UNVERIFIED BANKRUPTCY CH-XXXX account which does not belong to me. So I am writing to excercise my right to request verifiable proof of the negative events listed within my credit file. The U.S. Code 1681g-Disclosures to consumers requires CRA 's to disclose the sources of information regarding negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE ACCOUNT : XXXX XXXX XXXX  L for {$4400.00}, XXXX XXXX for {$150.00} and an UNVERIFIED BANKRUPTCY CH-XXXX account ; I expect that you will provide VERIFIABLE PROOF as required under 15 U.S. Code 1681g-Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect this negative event to be removed. Please communicate your intentions in writing. Sincerly XXXX XXXX XXXX Last 4 of SS # XXXX D.O.B : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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:
Equifax and XXXX are reporting incorrectly a collection in the amount of {$7400.00} on the XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) The original amount owed was {$2000.00}. I have tried to make a payment plan on the original amount that I owe however, the amount keeps changing and I have still not been provided with any itemization and/or any documentation as to what the additional sum of money owed is for. This false reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-11 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:
I received a copy of my credit file and enclosed is an account list under XXXX XXXX XXXX XXXX for {$4400.00}, XXXX XXXX for {$150.00} and an UNVERIFIED BANKRUPTCY CH-XXXX account which does not belong to me. So I am writing to excercise my right to request verifiable proof of the negative events listed within my credit file. The U.S. Code 1681g-Disclosures to consumers requires CRA 's to disclose the sources of information regarding negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE ACCOUNT : XXXX XXXX XXXX XXXX for {$4400.00}, XXXX XXXX for {$150.00} and an UNVERIFIED BANKRUPTCY   CH-XXXX  account ; I expect that you will provide VERIFIABLE PROOF as required under 15 U.S. Code 1681g-Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect this negative event to be removed. Please communicate your intentions in writing. Sincerly XXXX XXXX XXXX Last 4 of SS # XXXX D.O.B : XX/XX/1981

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 2019-07-11 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:
I disputed the inaccuracy of an bankruptcy that was on my credit report with all 3 credit bureaus. XXXX was the only on deleted the inaccuracy from my credit report. XXXX and Equifax are still reporting it as being verified but want state how they are verifying it. I have disputed it several times with my lastest being XX/XX/XXXX. I tried again in XX/XX/XXXX but they are not letting me dispute again and keep saying it's verified. This is the message I keep getting from them : " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I have been going back and forward with them about this for the last 6 months. On both of my credit reports it shows no numbers or account numbers to even verify the information so how is it even being verified as they are saying.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EMBRACE HOME LOANS
State: GA

Complaint narrative:
As per complaint #, XXXX was closed because the company agreed to pay me monetary relief of {$510.00} on XX/XX/XXXX. It is now XX/XX/XXXX and I still have not received the {$510.00} monetary relief as promised. Please reopen the case against them. Please see the initial complaint below. 


YOUR COMPLAINT Contacted Embrace to refinance my mortgage in XX/XX/XXXX, I paid for the appraisal and it was ordered by embrace and conducted early XXXX. The process went on for an additional three months. After sending various loan documentation I realized they were stalling, treating me unfairly and discriminating. I provided everything they asked for in a timely manner. After I realized that this re-finance wouldn't get done by them, I requested a refund back for the appraisal and was told It would be refunded back within two business days. After sending several emails inquiring about the status of the refund, I finally received the refund 3 weeks later. I was able to find another company to refinance my loan and was able to use the appraisal that was mailed to me by embrace. Once I submitted it to the new company I was told it was not the complete appraisal. It should be in color and with the SSR. Which should have been supplied to me once paid for and appraisal completed. Via mail or electronic which they held. I contacted embrace and was told that the entire file was sent and it wasn't. First, we were told it would be {$50.00}, that changed to {$510.00}, I originally paid {$460.00} so they withheld the appraisal report and said they would only provide or release it unless I would pay for it again more than the original cost. They refused to take my credit card but stated they would take a check from city worth on my behalf. I paid XXXX {$500.00} and XXXX paid embrace for the complete appraisal. Attached are the correspondence between Embrace, XXXX my current lender and myself verifying these statements. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-11 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: NY

Complaint narrative:
XX/XX/2019 I submitted my first initial dispute due to incorrect and erroneous account information reflecting on my credit report. I asked the Bureau to provide me with THE ORIGINAL CONTRACTS on file between I and said creditor/s. The bureau responded to dispute as either verified or accurate, however they did not supply their Methods of Verification or the ORIGINAL CONTRACTS on file between I and said creditor/s. FCRA Act Section 611, gives you the right to request an explanation of the verification method used by the Credit Reporting Agency and this Agency has VIOLATED that right by not supplying any explanation. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. However, they have not, and have broken the law. I DEMAND these accounts be REMOVED and DELETED.

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 2019-07-11 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: CA

Complaint narrative:
The following accounts belong to someone else and they were fraudulently put on my credit report : 1.  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2019 {$1900.00} 2.  XXXX XXXX XXXX XXXX XXXX XX/XX/2019 {$1000.00} Both accounts are not mine and I have disputed them with each Credit Reporting Agency ( XXXX, XXXX, and Equifax ), and also with XXXX XXXX XXXX. The accounts were fraudulently blamed on me, but belonged to someone else that rented that apartment prior to me living in it. I complained to both the XXXX XXXX company and also the Texas Consumer Commission regarding my concerns about an apartment that had been damaged and rented to me in duress. After I moved out the apartment was left in a better condition than what I rented it. I have provided attachments to support my claim against both the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX, and I am requesting that both accounts be removed from my credit reports at all Credit Bureau Agencies and Credit Reporting Agencies due to my Consumer Rights and Fair Credit Reporting Rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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:
XXXX and Experian are reporting incorrectly a collection in the amount of {$7400.00} on the XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) The original amount owed was {$2000.00}. I have tried to make a payment plan on the original amount that I owe however, the amount keeps changing and I have still not been provided with any itemization and/or any documentation as to what the additional sum of money owed is for. This false reporting is harming my credit score.

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 2019-07-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I paid off my Best Buy Citi Card and I got a statement in XXXX which showed nearly {$3000.00} in charges I did not make to the card nor does the statements show where the {$3000.00} came from. I reported this fraud on both my secure web login in credit card portal and when I got no response or phone call I submitted a letter directly to the Best Buy Citi consumer assistance address, still no response and I keep getting bills which keep going up now over {$3000.00}.

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 2019-07-11 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am trying to remove a lien from a boat title. We purchased the XXXX boat, used, in XXXX. There were no loan institutions involved in the transaction with a private party - we paid cash. When we received the title from NYS DMV there was a lien indicated on it. The lending institution indicated on the title ( XXXX XXXX XXXX, XXXX XXXX, XXXX, TX, XXXX ) is no longer in existence. ( We have never done business with XXXX XXXX in any way. ) According to FDIC Bank Find, the XXXX XXXX XXXX became part of national Chase Bank in XXXX. At the advice of OCC Customer Assistance Group I contacted Chase Bank Customer Service today ( XX/XX/XXXX ) to try to track down the history of this lien. However, I was told that they don't have a department that does that. 

The NYS DMV ID for the boat in question is XXXX. The NYS DMV title document number is XXXX. The title was issued XX/XX/XXXX. 

I want to get the lien removed from the title because I want to sell the boat. We have taken out no loans for this boat. If there was a loan by the previous owner that is still active ( which I doubt ), we will then decide how to proceed. But first we need to know who holds the lien. 

I have attached the title in question. 

Any help you can provide will be greatly appreciated! 

Thank you XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation