vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is an address on my account that does not belong to me.

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 2019-01-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted an complaint through the CFPB on Experian, XXXX, and XXXX   the complaint number is as followed : ( Ex XXXX-XXXX  ), ( XXXX XXXX-XXXX ), ( XXXX XXXX-XXXX ). My concerns was that their was Incorrect Information on my credit report from my Personal Name, Address I never lived at, Account on the credit report, jobs, phone numbers. Also, accordingly to the Fair Credit Reporting Act on the Furnisher of Information can report anything to the credit bureau on my credit report. Section 623 Responsibility of Furnishers of Information to consumer reporting agencies. All three depositories Experian, XXXX, amd XXXX  is allowing XXXX XXXX XXXX to report information to them concerning my history. I have never open anything up with XXXX XXXX XXXX. I open an account with another company XXXX XXXX 's and XXXX and their is nothing in the Fair Credit Reporting Act laws that says because XXXX XXXX XXXX brought out XXXX XXXX 's they ave the right to report anything concerning my payment history. I am going to provide everything from Experian that was on my credit report. That was sent to me in the mail along with a complete credit report from XXXX XXXX. I have been dealing with this since XX/XX/2018 the information I am providing should not be on my credit report. I am not XXXX XXXX XXXX XXXX. I don't have a son. Experian, XXXX, and XXXX  is defaming my character with Grantors of Credit by allowing false information to remain on my credit report. And allowing someone whom I never open an account with XXXX XXXX XXXX to report information on me on a close account with whom I had done business with.Just because they brought out the company but their is no law says they have the rights to report anything on me. They are all allowing pass address that I never lived at to remain on my credit report. Experian has allowed 13 Inquires that I have never done business with to stay on my credit report, XXXX XXXX XXXX XXXX needs to confirm with the Credit Bureau XXXX XXXX XXXX XXXX needs to confirm with the Credit Bureau

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 2019-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
MY HUSBAND AND I HAVE MADE PAYMENT ARRANGEMENTS WITH CREDIT ACCEPTANCE REGARDING OUR CAR LOAN ON XX/XX/XXXX. WE SPOKE WITH A SUPERVISOR AND EXPLAINED THAT DUE TO UNEXPECTED MEDICAL EXPENSES WE FELL BEHIND IN PAYMENTS. WE ARRANGED TO PAY {$470.00} ON XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. PAYMENTS FOR XX/XX/XXXX AND XX/XX/XXXX HAVE BEEN PAID. THE XX/XX/XXXX PAYMENT IS SCHEDULED. WE HAVE FOLLOWED THROUGH WITH OUR PROMISE TO PAY. WE ARE BOTH ON SOCIAL SECURITY XXXX AND PAYMENTS WERE SCHEDULED FOR THE DATES OF OUR CHECKS. WE HAVE CONTACTED CREDIT ACCEPTANCE AND SENT IN WRITING AND EMAIL TO CEASE AND DESIST FROM THEIR EXCESSIVE CALLING. IN 3 HOURS WE RECEIVED 11 CALLS. WE WERE TOLD THAT THERE ARE NO NOTES ON OUR ACCOUNT RE : PAYMENT ARRANGEMENTS. WE GAVE THE CUSTOMER SERVICE REP. THE CONFIRMATION # WE WERE GIVEN BY THE INITIAL SUPERVISOR WE MADE THE ARRANGEMENTS WITH. I FULLY UNDERSTAND THAT IF THE PAYMENTS WEREN'T MADE-THEY HAVE A RIGHT TO CALL US, BUT WE WERE TOLD THAT THE HARASSING CALLS WOULD STOP. THEY HAVEN'T. THEY CONTINUE TO CALL. PLEASE HELP.

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 2019-01-07 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: FL

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX  with the CFPB, I am compelled to demand that you provide communication exclusively through a printed letter on the status of ownership and how was the account assigned to your office. I request that you send me the proper proof that what you are reporting is true, or if you can not, to immediately remove it from my credit report. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for improper reporting of information to the credit bureaus regarding my credit history, actual defamation damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. Please deleted all this debt off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I sent a letter to XXXX XXXX XXXX and disputed the item with Experian on XX/XX/2018. I advised both parties that I have know knowledge of this debt. I went on to explain that the bill with the original creditor had been paid in full almost 3 years ago with no additional contact with the company to advise otherwise. I requested verification of this debt from both parties and to date I have received nothing. I am right in the middle of purchasing a home and need this removed from my credit file 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 non-monetary relief
Consumer complaint received 2019-01-07 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: Southwest Credit Systems, L.P.
State: DE

Complaint narrative:
I sent a letter to Southwest Credit Systems and disputed the item with XXXX on XX/XX/2018. I advised both parties that I have know knowledge of this debt. I went on to explain that the bill with the original creditor had been paid in full almost 3 years ago with no additional contact with the company to advise otherwise. I requested verification of this debt from both parties and to date I have received nothing. I am right in the middle of purchasing a home and need this removed from my credit file ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/XXXX,, Yes I Did Received A Very Postive Respone From Wells Fargo Bank about Some Of My Complaints,, Last Letter sent was Mailed To Me On,, XX/XX/XXXX,, Still Needs More Work,, Plus, Now In Question,, Title Deed,, Mortage,, ( Deceased Parents )? Ect,,,,

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 2019-01-07 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: TIDEWATER FINANCE COMPANY, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$8700.00} Closed Overview You've paid off 0 % of the original amount. 

Balance {$8700.00} Highest Balance $ XXXX Monthly payment No Info Opened XXXX. XXXX, XXXX ( 4 yrs, 9 mos ) Term 72 months Payment History Youve made 18 % of payments for this account on time. 

Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Worst Payment Status Charge-off Remarks Consumer disputes this account information Charged off account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: Credit Karma, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$8700.00} Closed Overview You've paid off 0 % of the original amount. 

Balance {$8700.00} Highest Balance $ XXXX Monthly payment No Info Opened XXXX. XXXX, XXXX ( 4 yrs, 9 mos ) Term 72  months Payment History Youve made 18 % of payments for this account on time. 

Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Worst Payment Status Charge-off Remarks Consumer disputes this account information Charged off account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I utilized a XXXX XXXX XXXX XXXX Mastercard serviced by Synchrony Bank to pay for a {$85.00} charge for services at the XXXX XXXX XXXX. However, instead of just the one single charge, they have continued to bill my credit card to a total of {$3100.00}. I have written and talked to their dispute depart at Synchrony as well as the Fraud Solutions Department. By letters attached, they have indicated that they have resolved this matter and remove the charges as well as updated all applicable credit card departments, see attached letters. However, to date, they have not. I need assistance getting this resolved as calling the bank only puts me from one person to the other, all of whom do not know what the other is talking about or how to resolve 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 monetary relief
Consumer complaint received 2019-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
So I get this lady pounding on my door so I didnt answer it. The. 5 minutes later pounding again so I opened and said hello she attempted to hand me some papers dropped them and said are you mr blank blank and was gone before I could say a thing so I picked papers up off the ground and apparently they are suing me for XXXX and I must show up before the XXXX. Th in this court Im so lost and have no idea what is going on I know there was a debt I dont believe the amount is correct but I have no clue who the lady was and to be repeatedly pounding on my apartment door at XXXX then again at XXXX is ridiculous. Then drop the papers and run away.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted an complaint through the CFPB on XXXX, XXXX, and TransUnion the complaint number is as followed : ( XXXX  XXXX   ), ( XXXX  XXXX ), ( TU XXXX ). My concerns was that their was Incorrect Information on my credit report from my Personal Name, Address I never lived at, Account on the credit report, jobs, phone numbers. Also, accordingly to the Fair Credit Reporting Act on the Furnisher of Information can report anything to the credit bureau on my credit report. Section 623 Responsibility of Furnishers of Information to consumer reporting agencies. All three depositories XXXX, XXXX, amd Transunion is allowing XXXX XXXX XXXX to report information to them concerning my history. I have never open anything up with XXXX XXXX XXXX. I open an account with another company XXXX XXXX 's and XXXX  and their is nothing in the Fair Credit Reporting Act laws that says because XXXX XXXX XXXX brought out XXXX XXXX 's they ave the right to report anything concerning my payment history. I am going to provide everything from XXXX  that was on my credit report. That was sent to me in the mail along with a complete credit report from XXXX XXXX. I have been dealing with this since XX/XX/2018 the information I am providing should not be on my credit report. I am not XXXX XXXX XXXX XXXX. I don't have a son. XXXX, XXXX, and TransUnion is defaming my character with Grantors of Credit by allowing false information to remain on my credit report. And allowing someone whom I never open an account with XXXX XXXX XXXX to report information on me on a close account with whom I had done business with.Just because they brought out the company but their is no law says they have the rights to report anything on me. They are all allowing pass address that I never lived at to remain on my credit report. XXXX  has allowed 13 Inquires that I have never done business with to stay on my credit report, XXXX XXXX XXXX XXXX needs to confirm with the Credit Bureau XXXX XXXX  XXXX XXXX needs to confirm with the Credit Bureau

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 2019-01-07 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 submitted an complaint through the CFPB on XXXX, Equifax, and XXXX the complaint number is as followed : ( XXXX XXXX ), ( EQ XXXX ), ( XXXX XXXX  ). My concerns was that their was Incorrect Information on my credit report from my Personal Name, Address I never lived at, Account on the credit report, jobs, phone numbers. Also, accordingly to the Fair Credit Reporting Act on the Furnisher of Information can report anything to the credit bureau on my credit report. Section 623 Responsibility of Furnishers of Information to consumer reporting agencies. All three depositories XXXX, Equifax, amd XXXX is allowing XXXX XXXX XXXX  to report information to them concerning my history. I have never open anything up with XXXX XXXX XXXX. I open an account with another company XXXX XXXX XXXX XXXX XXXX  and their is nothing in the Fair Credit Reporting Act laws that says because XXXX XXXX XXXX brought out XXXX XXXX XXXX   they ave the right to report anything concerning my payment history. I am going to provide everything from XXXX that was on my credit report. That was sent to me in the mail along with a complete credit report from XXXX XXXX. I have been dealing with this since XX/XX/2018 the information I am providing should not be on my credit report. I am not XXXX XXXX XXXX XXXX. I don't have a son. XXXX, Equifax, and XXXX is defaming my character with XXXX XXXX XXXX by allowing false information to remain on my credit report. And allowing someone whom I never open an account with XXXX XXXX   XXXX to report information on me on a close account with whom I had done business with.Just because they brought out the company but their is no law says they have the rights to report anything on me. They are all allowing pass address that I never lived at to remain on my credit report. XXXX   has allowed 13 Inquires that I have never done business with to stay on my credit report, XXXX XXXX XXXX XXXX  needs to confirm with the Credit Bureau XXXX XXXX XXXX XXXX needs to confirm with the Credit Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
So I get this lady pounding on my door so I didnt answer it. The. 5 minutes later pounding again so I opened and said hello she attempted to hand me some papers dropped them and said are you mr blank blank and was gone before I could say a thing so I picked papers up off the ground and apparently they are suing me for XXXX and I must show up before the XXXX. Th in this court Im so lost and have no idea what is going on I know there was a debt I dont believe the amount is correct but I have no clue who the lady was and to be repeatedly pounding on my apartment door at XXXX then again at XXXX is ridiculous. Then drop the papers and run away.

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 2019-01-07 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: FL

Complaint narrative:
The information is incorrect.XXXX XXXX account XXXX was past due several times in 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 2019-01-07 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: FL

Complaint narrative:
The information is incorrect.XXXX XXXX account XXXX was past due several times in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: FL

Complaint narrative:
The information is incorrect.XXXX XXXX account XXXX was past due several times in 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 non-monetary relief
Consumer complaint received 2019-01-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed a proper dispute with Experian on an unknown medical account # XXXX placed with XXXX XXXX XXXX for {$110.00} on XXXX-18. I contacted XXXX XXXX XXXX with a dispute and request for validation on this unknown medical account as per instructions from Experian on XXXX-18. I re-disputed to Experian with a copy of my dispute letter to XXXX XXXX XXXX on XXXX-18 along with proof of XXXX XXXX XXXX ' receipt of the dispute. Experian 's refusal to properly investigate or properly mark the account as in dispute is a violation of the FCRA and FACTA.

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 2019-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Merchandise was not received. I submitted a dispute and got confirmation from XXXX that Bank of America has already issued a {$91.00} charge-back. Bank of Amer asked me, online, to provide additional Info, which I did. Meanwhile, no provisional credit was ever issued, and, in fact, no credit at all was issued. On XX/XX/XXXX, I called about the status of my dispute and inquired why, online, there is a message in my inbox advising that the dispute is resolved and was combined with another dispute ( which does not exist ). Incompetence and deception both.

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 monetary relief
Consumer complaint received 2019-01-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes, Equifax, XXXX, & XXXX  have not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. Please see items below XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
When I took out the loan, I was told that I'd be able to reamortize the loan if I made a substantial payment on the loan. I made a substantial payment on the loan ( over 50 % of the principal ) and called to ask to have the loan reamortized, when I was told this was not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: DE

Complaint narrative:
I dont owe any money to XXXX. I left them months ago with a XXXX  balance. I left at the end of my contract with everything paid off. I keep getting calls constantly and its getting old. Please stop trying to collect something I dont  owe.

Company response to consumer: Closed with explanation