vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-23 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: TX

Complaint narrative:
The following credit card accounts have an incorrect balance. All the accounts have a XXXX balance. 

1. XXXX XXXXXXXX XXXX XXXX XX/XX/2018 97 % Balance : {$290.00} / {$300.00} 2.  XXXX XXXX Reported XX/XX/2018 47 % Balance : {$93.00} / {$200.00} 3.XXXX  XXXX XXXX XX/XX/2018 47 % Balance : {$470.00} / {$1000.00} 4. XXXX XXXX Last reported : XX/XX/2018 {$990.00} Good 5. XXXX Last reported : XX/XX/2018 {$600.00} Good These account below have a incorrect balance. 

AUTO LOANS 1. XXXX Last reported : XX/XX/2018 {$44000.00} Good 2.  XXXX XXXX XXXX Last reported : XX/XX/2018 {$9200.00} Good 3. XXXX Last reported : XX/XX/2018 {$9200.00} Good The account below is not a charge off, account is being paid on. 

AUTO LOANS 1. XXXX XXXXXXXX XXXX Closed : XX/XX/2018 {$28000.00} Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I never had a bill with this company and was not aware of this debt, this debt keeps on reappearing on my credit report and I was never notified by mail or phone or email correspondence.

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 2018-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I never had a bill with this company and was not aware of this debt, this debt keeps on reappearing on my credit report and I was never notified by mail or phone or email correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
This debt is not valid I was never notified about this debt and it keeps reappearing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: AL

Complaint narrative:
I have contacted Experian on several occasions throughout the past two years to clear up incorrect information that is showing on my credit report. The dates are as follows XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have contacted them via certified letter and via phone with no help on either end. I have asked them to validate the debt that is appearing on my report, because it shows as fraudulent information. They have yet to send anything in writing as to how they are finding information to be accurate and true on my credit report. The only response I have gotten is that they will not re investigate this matter, which is very unacceptable.

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 2018-08-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I had credit score of XXXX on XX/XX/XXXX and as of yesterday it drop to XXXX my statement came out on XX/XX/XXXX for capital one credit card. The payment is due on XX/XX/XXXX. I called them they say the report what is due on statement on XX/XX/XXXX the credit bureau change reports want to made by really now they said I need to wait 10 days To see if the credit bureau fix it Most card card company reports after the due date not on statement reporting day They did also to my husband his drop 87 point

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This debt is not valid I was never notified about this debt and it keeps reappearing on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: TX

Complaint narrative:
The following credit card accounts have an incorrect balance. All the accounts have a XXXX balance. 

1. XXXX XXXXXXXX XXXX Reported XX/XX/2018 97 % Balance : {$290.00} / {$300.00} 2.  XXXX XXXX Reported XX/XX/2018 47 % Balance : {$93.00} / {$200.00} 3.XXXX  XXXX Reported XX/XX/2018 47 % Balance : {$470.00} / {$1000.00} 4. XXXX XXXX Last reported : XX/XX/2018 {$990.00} Good 5. XXXX Last reported : XX/XX/2018 {$600.00} Good These account below have a incorrect balance. 

AUTO LOANS 1. XXXX Last reported : XX/XX/2018 {$44000.00} Good 2.  XXXX XXXX XXXX Last reported : XX/XX/2018 {$9200.00} Good 3. XXXX Last reported : XX/XX/2018 {$9200.00} Good The account below is not a charge off, account is being paid on. 

AUTO LOANS 1. XXXX XXXXXXXX XXXX Closed : XX/XX/2018 {$28000.00} Closed

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 2018-08-23 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: TX

Complaint narrative:
The following credit card accounts have an incorrect balance. All the accounts have a XXXX  balance.

1. XXXX XXXX XXXX  Reported XX/XX/2018 97 % Balance : {$290.00} / {$300.00} 2. XXXX XXXX   Reported XX/XX/2018 47 % Balance : {$93.00} / {$200.00} 3.XXXX XXXX Reported XX/XX/201847 % Balance : {$470.00} / {$1000.00} 4. XXXX XXXX Last reported : XX/XX/2018 {$990.00} Good 5. XXXX Last reported :XX/XX/2018 {$600.00} Good These account below have a incorrect balance.

AUTO LOANS 1. XXXX Last reported : XX/XX/2018 {$44000.00} Good 2. XXXX XXXX XXXX Last reported : XX/XX/2018{$9200.00} Good 3. XXXX  Last reported : XX/XX/2018 {$9200.00} Good The account below is not a charge off, account is being paid on.

AUTO LOANS 1. XXXX XXXX XXXX   Closed : XX/XX/2018 {$28000.00} Closed

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 2018-08-23 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I was not aware that XXXX XXXX has me listed as an authorized user on this account. This account belongs to family member and I or the owner of account was not aware that I was listed on the account. I want the account removed from all three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ability Recovery Services, LLC
State: NY

Complaint narrative:
This debt is not mine and I don't even know what it is it keeps on reappearing on my credit report I was never notified about it and there no contact information for this company and I am unaware what this is.

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 2018-08-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX has been non-compliant with removing the unverified account KOHLS/CAPITAL ONE XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that KOHLS/CAPITAL ONE 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 2018-08-23 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account CHASE CARD XXXX which has been deleted by XXXX and XXXX. XXXX   and XXXX  have both completed their research and determined that CHASE CARD 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 2018-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This debt is not mine and I don't even know what it is it keeps on reappearing on my credit report I was never notified about it and there no contact information for this company and I am unaware what this is.

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 2018-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This debt is not mine and I don't even know what it is it keeps on reappearing on my credit report I was never notified about it and there no contact information for this company and I am unaware what this is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: TN

Complaint narrative:
On XX/XX/2018 I sent a dispute involving Identity theft to the three major credit reporting agencies via mail and I have heard nor seen anything in correspondence towards resolving this situation. I have been a victim once and feel as if the same problem will haunt me and my personal progression in life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-23 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: IL

Complaint narrative:
I had credit score of XXXX  on XX/XX/XXXX and as of yesterday it drop to XXXX my statement came out on XX/XX/XXXX for XXXX XXXX  credit card. The payment is due on XX/XX/XXXX. I called them they say the report what is due on statement on XXXX XXXX the credit bureau change reports want to made by really now they said I need to wait 10 days To see if the credit bureau fix it Most card card company reports after the due date not on statement reporting day They did also to my husband his drop 87 point

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 2018-08-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Douglas, Chancellor, Meyers and Associates, LLC
State: IL

Complaint narrative:
Douglas Chancellor Meyer entered information on the XXXX Credit Bereau with fradulent and falsified information. The date of orginal diliquency was noted as XX/XX/2018. The original loan was from XXXX. The loan went diliquent more than 7 years ago. XXXX XXXX is attempting to re-age the loan in violation of the Fair Credit Reporting Act. No notice of dispute was furnished to me. I contacted XXXX in XX/XX/2018 to dispute the information, also on XX/XX/XXXX and XX/XX/2018.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: VA

Complaint narrative:
I received a letter from LJ Ross on or around XX/XX/2018 attempting to collect a debt from XXXX. I mailed out a letter requesting LJ Ross to provide me with the contractual agreement between LJ Ross and myself on XX/XX/2018. I requested that they send me that contractual agreement within ten ( 10 ) days of receipt. They received the letter on XX/XX/2018 and as of XX/XX/2018 I still have yet to receive the contractual agreement between LJ Ross and myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: JPL Recovery Solutions
State: CA

Complaint narrative:
The name of the collection agency I want to file a complaint with is called JPL Recovery Solutions. Their phone number is XXXX XXXX XXXX. The name of the particular representative is XXXX XXXX. They keep calling my employer and actually speaking with my Supervisor and Hr department. They say they want to fax over a request to garnish my paycheck. However, then they ask if they could be transfer directly to me. So they could give me one final chance to pay my debt. However, I told them I cant take personal calls on my work phone number, as my employer does not permit it. They still call my work number after I repeatedly told them not to. I also ask them to provide a statement showing that their agency does have my debt, they deny it. Saying they already sent it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: TN

Complaint narrative:
On XX/XX/2018 I sent a dispute involving Identity theft to the three major credit reporting agencies via mail and I have heard nor seen anything in correspondence towards resolving this situation. I have been a victim once and feel as if the same problem will haunt me and my personal progression in life.

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 2018-08-23 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:
On XX/XX/2018 I sent a dispute involving Identity theft to the three major credit reporting agencies via mail and I have heard nor seen anything in correspondence towards resolving this situation. I have been a victim once and feel as if the same problem will haunt me and my personal progression in life.

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 2018-08-23 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I recently pulled my credit and I saw that I am listed on my family member account Amex credit card as authorized user. I never authorized this and I would like this removed from all three credit bureaus immediately and deleted on my credit report. I already have established credit and I dont know why Amex have me listed as authorized user.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-23 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
In late XX/XX/XXXX I filed for bankruptcy. My lawyer filed on XX/XX/XXXX. At the time I was not late with any creditors. My chapter XXXX bankruptcy was discharged in XX/XX/XXXX. In XX/XX/XXXX15 creditors suddenly marked my credit history as being 90 days late. I filed disputes with all three credit agencys. 7 of the creditors realized their mistake and removed the negative remarks on my credit reports. The remaining 8 creditors did not remove the inaccuracies. I filed complaints with each company and contacted each company. In XX/XX/XXXX I contacted XXXX. The agent at XXXX confirmed that all 8 creditors had wrong information listed on my credit reports. They all listed me as being never late. But each creditor lap showed me as being 90 days late but not 30 or 60 days late. XXXX  said the information was wrong and contacted all 8 creditors on my behalf. The creditors response was to remove all history of me making on time payments and changing my history from XX/XX/XXXX being 90 days late to XX/XX/XXXX pate late. Again this is incorrect information again.

The creditor are XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. SYNCB Walmart. XXXX 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 2018-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent letters with multiple request to have credit inquiries removed that I did not recognize from my credit reports. XXXX removed the inquires, XXXX and Experian refuses to remove the inquiries.

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 2018-08-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NATIONSTAR MORTGAGE LLC
State: IN

Complaint narrative:
See attached document showing payments still not reported per XXXX, missing from credit bureaus. Per taped phone conversation and CFPB complaints ... XXXX did admit to wrong doing per their representative, Mr. XXXX XXXX misguiding me to stop making payments at the beginning of my VA loan which led to the beginning of the multitude of CFPB complaints. 

Per XXXX making final payment of forbearance and stating, " XX/XX/2018 we will submit all payments that have been made to the credit bureaus. '' **See attached document showing payments still not being properly submitted** I need ALL of my payments reported through out my VA mortgage loan. I need a statement sent to the credit bureaus so the proper changes can be made. Please refer to taped phone conversations as well police report over the past year of multiple complaints against XXXX Nationstar Mr. Cooper with regards to incorrect reporting, errors being reported, made up information being reporting, over {$100000.00} without my knowledge as well being added to my current VA mortgage loan. 

Per taped conversations per your company representatives, " Mr. XXXX XXXX, Mr. XXXX XXXX and a female representative, " XXXX '' who works for Nationstar ... Refer to the information where it was clearly stated to me via phone ... to give them until XX/XX/2018 and we will make sure that all payments will finally be updated with the credit bureaus and then my credit should reflect the changes ... positive changes. 

The complaints will escalate to higher powers that be until this is once and all resolved. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent letters with multiple request to have credit inquiries removed that I did not recognize from my credit reports. XXXX removed the inquires, Transunion and XXXX refuses to remove the inquiries.

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