vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-11 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
NO RESPONSE OR COMPLIANCE FROM XXXX   XXXX, OR EXPERIAN SINCE DISPUTE SUBMITTED ON XX/XX/2020. This is my second written document that has been forwarded to these credit bureaus. Neither credit bureau has responded in ( 30 ) days. (  They should delete these items from my credit report. ) I filed a dispute with XXXX  XXXX, and EXPERIAN on XX/XX/2020 about fradulent, innaccuarate or unverifed items on my credit report. 

Name of negative accounts on XXXX XXXX & Experian listed below : 1. XXXX XXXX XXXX Unverified Account XXXX. XXXX  XXXX XXXX Unverified Account 3. XXXX XXXX  XXXX Unverified Account. 

Name of Experian negative inquiries listed below : 1.  Creditor : XXXX XXXX - Inquiry Date : XXXX - 2.  Creditor : XXXX XXXX XXXX XXXX XXXX - Inquiry Date : XXXX 3. Creditor : XXXX XXXX XXXX - Inquiry Date :  XXXX. 

Name of XXXX negative inquiries listed below : 1. Creditor : XXXX XXXX XXXX - Inquiry Date :  XXXX 2. Creditor : XXXX XXXX - Inquiry Date :  XXXX - 3. Creditor : XXXX XXXX XXXX  - Inquiry Date :  XXXX. 

I advised XXXX  XXXX and Experian that the fradulent, innaccuarate or unverified items listed below remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? I advised XXXX XXXX and Experian that they have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I made clear I am a litigious  consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted 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 2020-09-11 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: TD BANK US HOLDING COMPANY
State: IA

Complaint narrative:
I financed a vehicle through TD Auto Finance in XXXX. I was on autopay for the entire 5 year loan. I have credit monitoring and noticed I had a 30 day late so I called the company. They explained that contractually I agreed to make the final payment not using autopay and that is why the last payment was not taken out. I asked them why they didnt send me a notice or give me a call as a reminder as I have paid on time the entire contract. The rep did not have an answer for this question. I asked him if he would remove the delinquency based on my situation and he agreed to do that and I made the final payment. 

This was back in XXXX or XXXX of XXXX and I checked a couple months later and it still was showing on my credit report. I called TD Auto and talked with a rep who said that the 30 day delinquency was valid b/c I contractually agreed to it. I went through the same story I did with the prior rep and she said that a request to remove the delinquency was never submitted and that I would need to do this through the formal dispute process. 

This is extremely frustrating given I paid a five year loan on time, through auto pay and had a TD representative confirm he would remove the delinquency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There is an account on my credit report that appears as XXXX XXXX however I do not know what it is. Ive disputed the account with experian but they never share what information is being used to validate the account. Only result is Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). This does not add any additional information or validate the account. Experian does not care about its duty to accurate reporting.

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 2020-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
This Debt was already on my credit record since 2014 and was removed two - three months ago, now they have added it back on. Since it has been more than 6 years for them to collect and was removed previously I do not owe it and it needs to come off my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: MD

Complaint narrative:
In XXXX, I hired XXXX XXXX to repair my credit and they were successful which raised my credit score to XXXX which was good. Two years later my credit score went to a XXXX and I dont understand why -- 1 ) I am a XXXX Citizen Retired XXXX XXXX but living in the XXXX for the XXXX so I do not make any charges on my credit cards? 
2 ) After I terminated XXXX XXXX in XXXX, my credit begin to drop and I do not know why XXXX ) Items that were removed, deleted and off of my credit with 3-agencies has re-appeared on my credit and I dont know why 4 ) I hired XXXX XXXX XX/XX/XXXX and they informed me that XXXX is being extremely difficult after we already provide many items were not mine and many other items were paid-off, but XXXX continue to keep my score in the XXXX FYI : The majority of my credit cards have balances below {$500.00}, I have NEVER been late on ( Mortgage, Loan, or any other Payment ) since XXXX -- - 10-years ago. There is only 1-Credit Card maxed out which is XXXX XXXX XXXX but nevertheless, payments are still made ontime. I have also re-hired XXXX XXXX  and according to them the SAME ITEMS that was taken care of in XXXX is back on my credit again. WHY?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: John C. Heath, Attorney at Law, PLLC
State: MD

Complaint narrative:
In XXXX, I hired Lexington Law to repair my credit and they were successful which raised my credit score to XXXX which was good. Two years later my credit score went to a XXXX and I dont understand why -- 1 ) I am a XXXX Citizen Retired XXXX XXXX but living in the XXXX for the XXXX so I do not make any charges on my credit cards? 
2 ) After I terminated XXXX XXXX in XXXX, my credit begin to drop and I do not know why 3 ) Items that were removed, deleted and off of my credit with 3-agencies has re-appeared on my credit and I dont know why 4 ) I hired XXXX XXXX XX/XX/XXXX and they informed me that XXXX is being extremely difficult after we already provide many items were not mine and many other items were paid-off, but XXXX continue to keep my score in the XXXX FYI : The majority of my credit cards have balances below {$500.00}, I have NEVER been late on ( Mortgage, Loan, or any other Payment ) since XXXX -- - 10-years ago. There is only 1-Credit Card maxed out which is XXXX XXXX XXXX but nevertheless, payments are still made ontime. I have also re-hired Lexington Law and according to them the SAME ITEMS that was taken care of in XXXX is back on my credit again. WHY?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: NC

Complaint narrative:
After reviewing my credit report I noticed a collection item is still listed on my report although the collection company previously stated in a previous investigation with CFPB that the original creditor asked them to place the account on holding pending a financial review of the account. 
1 ) the collection company XXXX XXXX continues to report the debt as outstanding and continues to report to the bureau as late and outstanding

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 2020-09-11 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am in the process of obtaining approval for an XXXX loan, so after obtaining my credit report, I saw some negative accounts that needed to be address. So, on XX/XX/XXXX I sent a series of dispute letters to the credit reporting agencies. As far as I understand, according to section 611 of the FCRA, the bureaus area required to respond within 30 days as long as there has not been additional documents that I have been provided. Which I didn't. I have yet to receive anything from the credit reporting agencies.

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 2020-09-11 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: AL

Complaint narrative:
I have sent a total of 3 disputes requesting that inaccurate information be removed from my report. They keep responding the information has been verified without sending any documentation which give them the right to list this inaccurate information on my report. The reporting of this inaccurate information is destroying my credit I have sent all letters certified mail I have receipts upon request, I also have copies of all letters & copies of the company response.

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 2020-09-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I opened this high yield money market account because they had some great rates. I never had a problem accessing the account online until I was married in XX/XX/2013. It took about two years for them to actually process paperwork to change my name on the account. When that was finally accomplished, I could no longer sign on to online banking. 
I have called, faxed and e-mailed identifying and supporting documents so many times I can't even begin to estimate how many. Now, I have an account that I opened online ; I can't access the funds ; and Capital One will not allow me to close - without coming into a branch office. The nearest branch office to me is about a nine ( 9 ) hour drive away. 
I've spoken to supervisors who promised to call back the next day, but I never get any calls back. I've tried the forgotten password options, even with them walking me through the process. They promise to check into the issue further and call me back, but they never call back. 
I have worked in XXXX for 24 years, and I have never seen such incompetence. Again, I can't sign in to online banking to view my account, make transactions, get a statement, or for anything else. They will not even let me close the account by sending documents - I have faxed a marriage license, a drivers ' license, a concealed handgun carry license, and my social security card. I have offered to send whatever they want. 
Over the last five years, I have changed jobs and moved. I can't even change my address with Capital One Bank. I also had an automatic transfer set up to pull from my old bank into this Capital One account. I can't sign in to stop the transfer ; and I have to drive an hour to put money in that account, just so Capital One Bank can continue to draw it out.

Capital One Bank is holding my money with no right to do so.

I am tired of fighting with them to get my money. I have threatened to lodge a complaint for five years - I'm finally at the end of my rope with these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: Colony Brands, Inc.
State: GA

Complaint narrative:
Hi placed an order with XXXX for XXXX total, I received a phone call to verify it was me before they shipped it around last of XX/XX/2020. I pass the verification and never mentioned how much I was approved for but on the book they sent me it said XXXX. They have posted on my XXXX   credit report I was approved for XXXX but my order was XXXX. I never receive a credit card nothing with an account number. I never was late and theyve messed up my credit with a 30 day late payment with other damaging information. Im a senior and its hard for me to get out and shop and this account is paid and full and I want it investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Recently submitted my dispute over 30 days ago and there was a failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Recently submitted my dispute over 30 days ago and there was a failure to respond.

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 2020-09-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am in the process of obtaining approval for an SBA loan, so after obtaining my credit report, I saw some negative accounts that needed to be address. So, on XX/XX/XXXX I sent a series of dispute letters to the credit reporting agencies. As far as I understand, according to section 611 of the FCRA, the bureaus area required to respond within 30 days as long as there has not been additional documents that I have been provided. Which I didn't. I have yet to receive anything from the credit reporting agencies.

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 2020-09-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am in the process of obtaining approval for an SBA loan, so after obtaining my credit report, I saw some negative accounts that needed to be address. So, on XX/XX/XXXX I sent a series of dispute letters to the credit reporting agencies. As far as I understand, according to section 611 of the FCRA, the bureaus area required to respond within 30 days as long as there has not been additional documents that I have been provided. Which I didn't. I have yet to receive anything from the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: AL

Complaint narrative:
I have sent a total of 3 disputes requesting that inaccurate information be removed from my report. They keep responding the information has been verified without sending any documentation which give them the right to list this inaccurate information on my report. The reporting of this inaccurate information is destroying my credit I have sent all letters certified mail I have receipts upon request, I also have copies of all letters & copies of the company response.

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 2020-09-11 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: AL

Complaint narrative:
I have sent a total of 3 disputes requesting that inaccurate information be removed from my report. They keep responding the information has been verified without sending any documentation which give them the right to list this inaccurate information on my report. The reporting of this inaccurate information is destroying my credit I have sent all letters certified mail I have receipts upon request, I also have copies of all letters & copies of the company response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: U.S. BANCORP
State: MO

Complaint narrative:
This Debt was already on my credit record since 2014 and was removed two - three months ago, now they have added it back on. Since it has been more than 6 years for them to collect and was removed previously I do not owe it and it needs to come off my credit report. Thank you

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 2020-09-11 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: DE

Complaint narrative:
This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX   XXXX, DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXX XXXX****, DEPT OF ED/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. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

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 2020-09-11 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
In XX/XX/2020, I refinance my mortgage with Quicken loan. JP Morgan Chase was the holder of my mortgage. In XXXX, I got my credit report and it drops by 63 points because JP Morgan closed my mortgage account and it affected my credit. I do not know why JP Morgan Chase closed my account if they know that it will affect my credit score.

Company response to consumer: Closed with explanation