vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-11-07 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: MA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-11-07 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: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-11-07 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: MA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: NY

Complaint narrative:
I used my money for a down payment with the loan originator XXXX XXXX on behalf of Sun West bank. Im a home owner of two properties so I was informed this way my wife XXXX XXXX account # XXXX they committed fraud against me. They also used fraudulent documents

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I sent three letters to XXXX  TransUnion, XXXX, to verify the information on my credit report but they never sent me any verification I need to know how are they Verifying this information?

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 2018-11-07 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: WA

Complaint narrative:
I sent three letters to XXXX XXXX, Equifax, to verify the information on my credit report but they never sent me any verification I need to know how are they Verifying this information?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-11-07 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: MS

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: MS

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account PENTAGON FEDERAL CRE which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that PENTAGON FEDERAL CRE was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-07 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: MD

Complaint narrative:
I disputed the account with Equifax as " not mine '' but it recently came back as verified ... .I never had an account with XXXX XXXX XXXX, XXXX They also wont give me evidence or verification as to why they will not remove the account. The error has affected my credit score Please delete immediately before further harm is done

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: CO

Complaint narrative:
I filed a dispute with XXXX for 3 separate bills reported from the XXXX XXXX XXXX  South Carolina on XX/XX/2014in the amounts of {$170.00}, {$300.00}, and {$210.00}.

I never received mail or phone calls regarding this debt. I only learned of it through checking my credit score on XXXX XXXX. I filed the dispure because I have no recollection of being treated at this facility or ever even being there for that matter. I asked for some type of documentation that I was at that facility such as a photo ID or anything and they were unable to provide me with anything.

I filed the dispute via mail. These derogatory marks were soon cleared from my XXXX report but have since remained on my XXXX  report more than a year later.

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 2018-11-07 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: National Enterprise Systems, Inc.
State: FL

Complaint narrative:
XXXX  XXXX XXXX has committed multiple violations on my credit report t

heyre not 100 % accurate on my report On each bureau theyre are different high credit amounts the credit limit on XXXX is also read {$0.00} The dates opened is also different on each bureau XXXX also has a different account number as XXXX and XXXX.

I will be sending a copy of this to the FTC for them to review I will so have my attorney review these violations I will so be sending a screenshot of my credit report to show all the violations and inaccurate reporting XXXX  XXXX XXXX has made. 

XXXX XXXX XXXX needs to remove to TradeLine from my credit report as they have committed numerous violations

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 2018-11-07 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:
I disputed the account with the credit bureaus as " not mine '' but it recently came back as verified ... .I never had an account with XXXX XXXX XXXX XXXX.. They also wont give me evidence or verification as to why they will not remove the account. The error has affected my credit score Please delete immediately before further harm is done

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
on XX/XX/XXXX, I was pressured into a predatory auto loan through Santander Consumer USA. They have mishandled the auto loan and are using unethical and illegal practices. They have used risk based pricing and are loan churning. I am being harassed with multiple telephone calls throughout the day and evening. The loan was XXXX at 23.43 % with 71 payments. To date, I have paid XXXX and Santander is alleging that I still owe XXXX. My maturity date is XX/XX/XXXX. This is not accurate. I am challenging the validity of Local, State and Federal Laws. Please see attached documentation that shows inconsistencies with payments and account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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 am a long time victim of Identity Theft and I have submitted multiple police reports to Equifax, report number, but Equifax has not removed the fraudulent accounts listed in the police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: CA

Complaint narrative:
I disputed the account with the credit bureaus as " not mine '' but it recently came back as verified ... .I never had an account with XXXX XXXX XXXX XXXX.. They also wont give me evidence or verification as to why they will not remove the account. The error has affected my credit score Please delete immediately before further harm is done

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 2018-11-07 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX/Walmart has committed multiple violations on my Credit report it is not 100 % accurate therefore should be removed from my credit report. 

On each of the bureaus the high credit and credit limit is different from each other they also have different account number XXXX account number is different from XXXX and XXXX  The Date of this account being opened is also different on each bureau Also the addresses giving to contact the creditor dont match up one shows XXXX Ga while the other two bureaus show XXXX Florida I also have sent and disputed this account multiple times and on XXXX  and XXXX  I see that the last reported date is still XX/XX/2015 which leaves me to believe they have refuse my request to investigate this account. 

These are serious violations and this TradeLine must be deleted from my credit report I will be sending a screenshot of my credit report showing these violations On each bureau I will also send a copy of this complaint and send my credit report over to the FTC and my attorney to review.

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 2018-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Me and my x spouse " XXXX '' separated in XX/XX/XXXX. However, he open a Wells Fargo Credit Card under his name only in XXXX. He added me as a authorize user in XXXX, that I was not aware of, nor did I ever use the card for personal use or for his business. He filed chapter XXXX in XX/XX/XXXX and Wells Fargo is holding me personally responsible and have changed all bank statements under my name, even after I asked to be removed as a authorized user, requested all credit card statements showing I didn't use the card, nor was aware I was a authorize user on the car. I have filed complaints with Wells Fargo, all three credit agencies and have a message from his Bankruptcy attorney stating I was only a authorize user and not responsible for this credit card. My credit score was in XX/XX/XXXX a XXXX and since XX/XX/XXXX its a XXXX. No one is assisting me in fixing my issue nor taking this off my credit score even though I have proof it was in his name since XXXX and he added me without my authorization in XXXX, and now all statements are in my name only

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 2018-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account MERCEDES-BENZ FINANC which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that MERCEDES-BENZ FINANC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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 disputed the account with the credit bureaus as " not mine '' but it recently came back as verified ... .I never had an account with XXXX   ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, and XXXX XXXX XXXX XXXX ... They also wont give me evidence or verification as to why they will not remove the account. The error has affected my credit score Please delete immediately before further harm is done

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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 disputed the account with the credit bureaus as " not mine '' but it recently came back as verified ... .I never had an account with XXXX   ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, and XXXX XXXX XXXX XXXX  ... They also wont give me evidence or verification as to why they will not remove the account. The error has affected my credit score Please delete immediately before further harm is done

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 2018-11-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX and Equifax failed to verify the accuracy of the account XXXX XXXX XXXX  .The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: GA

Complaint narrative:
Transunion and XXXX failed to verify the accuracy of the account XXXX XXXX XXXX .The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2018-11-07 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 disputed the account with Equifax as " not mine '' but it recently came back as verified ... .I never had an account with ( Original Creditor : ) XXXX  They also wont give me evidence or verification as to why they will not remove the account. The error has affected my credit score Please delete immediately before further harm is done

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I traded my car in on XX/XX/2018 at XXXX XXXX in XXXX ga they accepted the trade which is documented on my contract on XX/XX/2018 my payment for the traded in vehicle was due on XX/XX/2018 ( 13 ) days after i traded in the vehicle on XX/XX/2018 a late payment was recorded on me and my cosigners credit even though i had no ownership of the vehicle from XX/XX/2018 i have called the owner of the loan they say i have to get a paper from dealership i call the dealership was told they would get the document a week later i went to dealership because of no response and was informed they would get document but i may or may not help another few days go by nothing i have filled complaint with XXXX also reviewed on XXXX and now am in process of doing direct dispute with bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
I applied for the income based plan in XX/XX/2018. My application is still pending. I have spoken with over 10 different people whom are telling me something different each time I call. I have followed all the instructions given to me yet my application is still not approved. They told me to make a payment for at least {$5.00} in XX/XX/2018 and after then I should be fine. Well now I have a payment due for over {$500.00} which I can not afford. Now they are trying to offer me another courtesy forbearance stated by XXXX. I told her why should I have to keep adding more money to my account along with more interest and make things worser on me in the long run. These people play a lot of games and this just makes me sad or regret I ever went to school. I was told that this was my fault for filling out my application incorrectly. Something needs to happen but im not going to stop until someone hears my voice! Im reporting to everyone who will listen even if I have to contact a lawyer, mayor etc.

Company response to consumer: Closed with explanation