vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-02 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: GA

Complaint narrative:
The dates contained with my credit file for XXXX XXXX are incorrect and the credit bureau is in violation of the FCRA. In accordance with the FCRA the collection agency must report the origianl date of delinquency and this date is not allowed to change by law. In a effort to reage the account XXXX has filed incorrect dates. In accordance to the FCRA the creditor must report the debt from the original date of delinquency. The information XXXX has in the file is incorrect and the credit bureau is in violation. They did not review XXXX   documentation prior to reporting the debt.

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 2019-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have reached out to each bureau to correct my personal information and neither bureau has adhered to that request. My government name is XXXX XXXX. I am requesting any and all variations be deleted because they are not mine. My birthday is XX/XX/1964 as shown on my attached ID. I am requesting any and all variations to be deleted as they are incorrect. 

I keep getting letters to verify my identity and still no deletion. I am again verifying my identity by submitting my STATE IDENTIFICATION.

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 2019-03-02 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have reached out to each bureau to correct my personal information and neither bureau has adhered to that request. My government name is XXXX XXXX. I am requesting any and all variations be deleted because they are not mine. My birthday is XX/XX/XXXXas shown on my attached ID. I am requesting any and all variations to be deleted as they are incorrect. 

I keep getting letters to verify my identity and still no deletion. I am again verifying my identity by submitting my STATE IDENTIFICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
Im submitting this complaint with CHASE because my credit score was negatively impacted due to CHASE reporting late payments against me. My credit report shows late payments were reported during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was a loyal customer to CHASE ever since I received my Credit Card in XX/XX/XXXX and I always made my payments on time. I had the ability to pay my bill to CHASE for the months reported as late and I scheduled my payments to be withdrawn from my bank account on-time for those bills. CHASE either did not properly send a request for payment from my bank, or did and something prevented the money transfer to CHASE. I was never properly informed by CHASE about any impending or existing missed payments on my account for the months reported as late. I also never received any indication from my bank account of a returned item due to not having proper funds in my account to pay my bill to CHASE. I only found my original payments were not posted when I logged into my online CHASE account. I immediately paid my bill with my debit card and confirmed with my bank the following day to ensure the payments had successfully been transferred to CHASE. 

I'm only bringing this issue to the attention of others now because I did not know CHASE was reporting any of these payments as late to credit reporting agencies until I reviewed my credit report earlier this year. I have been negatively impacted when trying to apply for other forms of credit for almost 6 years due to late payments on my record caused by CHASE. Since these late payments are not the result of my wrongdoing, and due to the circumstances listed above, I respectfully request for CHASE to remove the late payments during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please consider my track record of on-time payments as proof I take my financial obligations seriously. 

If you have any questions, or require further information from me, please feel free to contact me at your convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 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: IL

Complaint narrative:
I have reached out to each bureau to correct my personal information and neither bureau has adhered to that request. My government name is XXXX XXXX. I am requesting any and all variations be deleted because they are not mine. My birthday is XX/XX/XXXX as shown on my attached ID. I am requesting any and all variations to be deleted as they are incorrect. I keep getting letters to verify my identity and still no deletion. I am again verifying my identity by submitting my STATE IDENTIFICATION.

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 2019-03-02 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Loan payed by chapter XXXX my case is finished and closed loan was included!!! my balance is XXXX it appears XXXX I dont recognize!! I call my lawyer they say it should be removed!! Because is paid!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was locked out of my credit report by transunion, XXXX and XXXX  while trying to do a dispute because they do not list my current employer.

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 2019-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: KS

Complaint narrative:
I noticed three unauthorized transactions on my WesternUnion account. I called them immediately and they kept transferring me from department to department without initiating any inquiry. There is no process in place for fraud prevention at WesternUnion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 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: FL

Complaint narrative:
This collection is in my wifes name, but is reporting as a collection on my credit report. The company wants me to pay money to take it off my report, but the account isnt in my name. The account was opened XX/XX/2018.

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 2019-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I was locked out of my credit report by XXXX, Equifax and XXXX while trying to do a dispute because they do not list my current employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was locked out of my credit report by XXXX, XXXX and Experian while trying to do a dispute because they do not list my current employer.

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 2019-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: IL

Complaint narrative:
I never made any of these purchases but I have tried to talk to XXXX and my financial institution and neither place will help me get my money back. 
XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ( XX/XX/19 XXXX XXXX ) XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ( XX/XX/19 XXXX XXXX ) XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ( XX/XX/19 XXXX XXXX ) XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ( XX/XX/19 XXXX XXXX ) XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ( XX/XX/19 XXXX XXXX ) XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ( XX/XX/19 XXXX XXXX ) XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ( XX/XX/19 XXXX XXXX ) XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ( XX/XX/19 XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 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: AZ

Complaint narrative:
Hi, I have an installment loan that is appearing as a " Mortgage '' on my credit report on all three credit bureaus. I have a letter from the loan company that has stated that this loan is an " Installment Loan '' and should NOT be classified as a mortgage. The loan was to purchase a water softener that was {$5800.00} and the loan is only secured by the equipment that was financed and is NOT secured by my home. I have disputed this information with all three bureaus but they keep saying the information is correct even after I give them the letter from the company which is called " XXXX XXXX XXXX '' which states that this is NOT a mortgage account. The bureaus and the loan company both blame each other and nothing get 's done. Besides taking legal action I don't know what to do. 

As of XX/XX/19 I have disputed all my reports which resulted in no changes. As well as disputed this information directly with the loan company which they keep saying is the fault of the credit bureaus. I have documentation which proves this is not a mortgage and should NOT be classified as a mortgage account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Im submitting this complaint with XXXX because my credit score was negatively impacted due to XXXX reporting late payments against me. My credit report shows late payments were reported during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was a loyal customer to XXXX ever since I received my Credit Card in XX/XX/XXXX and I always made my payments on time. I had the ability to pay my bill to XXXX  for the months reported as late and I scheduled my payments to be withdrawn from my bank account on-time for those bills. XXXX  either did not properly send a request for payment from my bank, or did and something prevented the money transfer to XXXX. I was never properly informed by XXXX about any impending or existing missed payments on my account for the months reported as late. I also never received any indication from my bank account of a returned item due to not having proper funds in my account to pay my bill to XXXX. I only found my original payments were not posted when I logged into my online XXXX  account. I immediately paid my bill with my debit card and confirmed with my bank the following day to ensure the payments had successfully been transferred to XXXX. 

I'm only bringing this issue to the attention of others now because I did not know XXXX was reporting any of these payments as late to credit reporting agencies until I reviewed my credit report earlier this year. I have been negatively impacted when trying to apply for other forms of credit for almost 6 years due to late payments on my record caused by XXXX Since these late payments are not the result of my wrongdoing, and due to the circumstances listed above, I respectfully request for XXXX to remove the late payments during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please consider my track record of on-time payments as proof I take my financial obligations seriously. 

If you have any questions, or require further information from me, please feel free to contact me at your convenience.

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 2019-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
Im submitting this complaint with XXXX because my credit score was negatively impacted due to XXXX reporting late payments against me. My credit report shows late payments were reported during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was a loyal customer to XXXX ever since I received my Credit Card in XX/XX/XXXX and I always made my payments on time. I had the ability to pay my bill to XXXX for the months reported as late and I scheduled my payments to be withdrawn from my bank account on-time for those bills. XXXX either did not properly send a request for payment from my bank, or did and something prevented the money transfer to XXXX. I was never properly informed by XXXX about any impending or existing missed payments on my account for the months reported as late. I also never received any indication from my bank account of a returned item due to not having proper funds in my account to pay my bill to XXXX. I only found my original payments were not posted when I logged into my online XXXX account. I immediately paid my bill with my debit card and confirmed with my bank the following day to ensure the payments had successfully been transferred to XXXX. 

I'm only bringing this issue to the attention of others now because I did not know XXXX was reporting any of these payments as late to credit reporting agencies until I reviewed my credit report earlier this year. I have been negatively impacted when trying to apply for other forms of credit for almost 6 years due to late payments on my record caused by XXXX. Since these late payments are not the result of my wrongdoing, and due to the circumstances listed above, I respectfully request for XXXX to remove the late payments during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please consider my track record of on-time payments as proof I take my financial obligations seriously. 

If you have any questions, or require further information from me, please feel free to contact me at your convenience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Im submitting this complaint with XXXX  because my credit score was negatively impacted due to XXXX reporting late payments against me. My credit report shows late payments were reported during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was a loyal customer to XXXX  ever since I received my Credit Card in XX/XX/XXXX and I always made my payments on time. I had the ability to pay my bill to XXXX for the months reported as late and I scheduled my payments to be withdrawn from my bank account on-time for those bills. XXXX either did not properly send a request for payment from my bank, or did and something prevented the money transfer to XXXX. I was never properly informed by XXXX about any impending or existing missed payments on my account for the months reported as late. I also never received any indication from my bank account of a returned item due to not having proper funds in my account to pay my bill to XXXX. I only found my original payments were not posted when I logged into my online XXXX account. I immediately paid my bill with my debit card and confirmed with my bank the following day to ensure the payments had successfully been transferred to XXXX. 

I'm only bringing this issue to the attention of others now because I did not know XXXX was reporting any of these payments as late to credit reporting agencies until I reviewed my credit report earlier this year. I have been negatively impacted when trying to apply for other forms of credit for almost 6 years due to late payments on my record caused by XXXX. Since these late payments are not the result of my wrongdoing, and due to the circumstances listed above, I respectfully request for XXXX  to remove the late payments during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please consider my track record of on-time payments as proof I take my financial obligations seriously. 

If you have any questions, or require further information from me, please feel free to contact me at your convenience.

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 2019-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I have an AAdvantage credit card with citibank. They offered XXXX American airline points bonus after I spent {$3000.00} ( I do not remember exactly the number, but either {$2500.00} or {$3000.00} in the first three months of account opening ). I have spent {$5000.00} on this citi card. I just chatted with a citibank representative, on XX/XX/2019, and was told that I am not eligible for the bonus as I had this type of credit card in the past. Since I applied and was approved for the new card, citibank never told me this information. If am not eligible for the bonus, which is the main reason I applied for the card, I should be notified in writing. And I never received a letter indicating that I am not eligible for the point bonus.

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 2019-03-02 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:
The following accounts I have disputed them a month ago but was told by the major 3 credit bureaus that these accounts have been verified. Inwhich these very accounts I do not have a contract with nor have they been physically verified. I'm requesting the Method of Verification inwhich was used to equate the accounts as valid via my credit report. Inwhom within your company, name and title, spoke to whom and what means of communication was performed, phone, email, texts, fax, etc. What day and time did this take place. What physical documentation was delivered to both you and I that verifies these accounts, 1 ) XXXX XXXX {$0.00} 2 ) XXXX XXXX XXXX {$7.00} 3 ) XXXX XXXX {$570.00} 4 )  XXXX XXXX XXXX {$0.00} As stated in the FCRA laws if this information is not provided in its entirety then the above accounts shall be blocked immediately 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 2019-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Collection Partners, Inc.
State: IL

Complaint narrative:
This company calls me repeatedly daily and I do not know why.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 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:
The following accounts I have disputed them a month ago but was told by the major 3 credit bureaus that these accounts have been verified. Inwhich these very accounts I do not have a contract with nor have they been physically verified. I'm requesting the Method of Verification inwhich was used to equate the accounts as valid via my credit report. Inwhom within your company, name and title, spoke to whom and what means of communication was performed, phone, email, texts, fax, etc. What day and time did this take place. What physical documentation was delivered to both you and I that verifies these accounts, 1 ) XXXX XXXX {$0.00} 2 ) XXXX XXXX XXXX {$7.00} 3 ) XXXX XXXX {$570.00} 4 )  XXXX XXXX XXXX {$0.00} As stated in the FCRA laws if this information is not provided in its entirety then the above accounts shall be blocked immediately from my credit report.

Company response to consumer: Closed with non-monetary relief