vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-21 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: GA

Complaint narrative:
Hey good afternoon on XX/XX/XXXX, I was looking on my credit report and I still see Equifax reporting 4 addresses that doesnt belong to me. I disputed this a month ago and all 4 addresses was deleted. I got a letter and a confirmation to my email that these addresses was deleted off my credit file on XX/XX/2019 with confirmation number # XXXX. Now these items have been reinserted on my credit report. Equifax violated the FCRA ands thats a {$1000.00} violation for not notifying me of reinsert these addresses back on my credit file after being deleted. Pictures are included with the deletions of addresses. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
When attempting to obtain a free copy of my credit report or temporarily lifting a security freeze, I am never permitted to complete these transactions online. The copy of the credit report was denied online on XX/XX/XXXX. The security freeze denial attempt was XX/XX/XXXX. Both instances I was required to mail in their completed form with copies of my identity proof ( copy of social security card and NC drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 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: IL

Complaint narrative:
I requested my credit report from Experian on XX/XX/2019. I saw that there was negative information reported by XXXX XXXX XXXX in the file that Experian maintains under my Social Security Number. Upon reviewing that copy of my credit report, I saw an entry listing incorrect and missing information. As well as an incorrect account number. I wrote and certified mailed a letter to Experian challenging the accuracy, compliance and reportability of this listing. I asked them to please validate that information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. I requested in the absence of any such documentation bearing my signature, I formally requested that the information be immediately deleted from the credit file they maintain under my Social Security Number. I also stated that I do not consent to XXXX or any means of automated verification. They replied back that XXXX XXXX XXXX " Verified '' that the account they are reporting under my name is accurate. I then on XX/XX/2019 certified mailed another letter to Experian Requesting that the description of the procedure used to determine the accuracy and completeness of the information was being requested, to be provided within 15 days of the completion of their re-investigation. Additionally, to please provide the name, address and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. And that any automated response or XXXX verification is unacceptable. I requested a re-investigation and their method of verification. They did not reply back in 30 days. So by them not replying back within 30 days they violated federal law, and they had failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. And I have evidence via certified mail receipts. So they must remove the item.

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 2019-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Shellpoint Partners, LLC
State: AR

Complaint narrative:
XXXX OWES US $ XXXX from bk noXXXX and illegally reporting tradeline after so.l. 
expired

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
XXXX, XXXX, XXXX of XXXX is missing payment information and XX/XX/XXXX 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 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: NM

Complaint narrative:
I had a credit card account with XXXX  XXXX and it was charged off. I entered into a settlement to pay off an agreed upon balance. I made monthly payments and paid o Everything that was agreed upon. For some reason, XXXX and XXXX recognize that I have a {$0.00} balance and account is settled, but TransUnion doesnt recognize this. I just want accurate information on my TransUnion 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 2019-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XX/XX/XXXXwhen the 4 accounts and address were first discovered an updated FTC identity report, police report and proof of identity was sent to Equifax and they refused to acknowledge that I had a credit file even with the copy that was sent to them and then says that they have verified the information as my information even though the accounts were opened as fraud. 
In XX/XX/XXXXto present I have been contacting Equifax in regards to these accounts and each time Equifax send me an email with a link that I can not open with title stating information verified. I have repeatedly called and written every month to Equifax with a copy of my police report, ftc identity theft report, proof of my identity ; Equifax is verifying with the creditor whom I have also repeatedly notified that the accounts were opened fraudgently and to close them basic information that was used illegally such as my name, social security number and a address I never lived at. 
Equifax also acknowledged that my personal information was part of their breach in XX/XX/XXXXand XX/XX/XXXXand tried to sell me a protection plan but refuses to remove unauthorized illegal accounts from my report ( fraud ). To add insult to injury my personal file has been blocked from me or other creditors being able to view it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ocwen Financial Corporation
State: AR

Complaint narrative:
XXXX OWES US $ 330k from bk XXXX and illegally reporting tradeline after so.l. 
expired

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mr. Cooper Group Inc.
State: AR

Complaint narrative:
XXXX OWES US $ XXXX from bk noXXXX and illegally reporting tradeline after so.l. 
expired

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 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: NY

Complaint narrative:
I have disputed an account ( XXXX XXXX XXXX  ) in the amount of {$1500.00}. This balance is showing on my credit reports which is incorrect as it has been paid in full by the dealer on XX/XX/2019. I had contacted XXXX XXXX XXXX  personally myself to confirm the payment from the dealer was paid in full to the bank. It has been confirmed as paid in full and XXXX balance. I disputed this amount with all 3 credit reporting agencies and received a response today from Experian that I need to submit additional information or they will not dispute this for me. This is wrong because its adding to my debt to ratio and in fact I do not owe this amount. It is affecting my credit score. I do not have proof that the {$1500.00} was paid in full as I mentioned earlier when I turned in the old lease the dealer paid in full the balance owed to the bank and I re-leased a new vechile from there.

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 2019-07-21 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: SC

Complaint narrative:
Transunion is reporting XXXX XXXX XXXX on my credit report and I spoke with the Consumer Finance Division in South Carolina and they stated this lender doesn't even have a right to lend in this State. This was an illegal loan and I have advised XXXX of this information and asked them to remove this illegal loan from my credit report, the request is currently pending an investigation but I cant understand what there is to investigate if the company was never incensed in my state to begin with.

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 2019-07-21 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: NY

Complaint narrative:
I have disputed an account ( XXXX XXXX  XXXX ) in the amount of {$1500.00}. This balance is showing on my credit reports which is incorrect as it has been paid in full by the dealer on XX/XX/2019. I had contacted XXXX XXXX XXXX  personally myself to confirm the payment from the dealer was paid in full to the bank. It has been confirmed as paid in full and XXXX balance. I disputed this amount with all 3 credit reporting agencies and received a response today from XXXX that I need to submit additional information or they will not dispute this for me. This is wrong because its adding to my debt to ratio and in fact I do not owe this amount. It is affecting my credit score. I do not have proof that the {$1500.00} was paid in full as I mentioned earlier when I turned in the old lease the dealer paid in full the balance owed to the bank and I re-leased a new vechile from there.

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 2019-07-21 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: NY

Complaint narrative:
I have disputed an account XXXX XXXX XXXX XXXX  ) in the amount of {$1500.00}. This balance is showing on my credit reports which is incorrect as it has been paid in full by the dealer on XX/XX/2019. I had contacted XXXX XXXX XXXX  personally myself to confirm the payment from the dealer was paid in full to the bank. It has been confirmed as paid in full and XXXX balance. I disputed this amount with all 3 credit reporting agencies and received a response today from XXXX  that I need to submit additional information or they will not dispute this for me. This is wrong because its adding to my debt to ratio and in fact I do not owe this amount. It is affecting my credit score. I do not have proof that the {$1500.00} was paid in full as I mentioned earlier when I turned in the old lease the dealer paid in full the balance owed to the bank and I re-leased a new vechile from there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been the victim of ID theft because someone attempted to file unemployment under my social security. Now I am trying to put a fraud alert on my credit. It seems that all three bureaus want us to file this via mail, including sending my SSN or DL via mail to them. I don't feel comfortable with that because my SSN was stolen and it is easy to steal mail. Also, I have relatives working for the Post Office and they advise not to do so. I tried to upload the documents with Experian, but it never worked although the file size was fine, I had only 2 documents, and all my info was correct. I tried to email Experian, but they do not even give us an email to submit a request.

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 2019-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MS SERVICES LLC
State: CA

Complaint narrative:
MS services did not respond to my letter for debt validation with requested documentation but still reported the account to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 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: FL

Complaint narrative:
I contacted all three credit bureaus concerning my student loans werent delinquent, because they were in forbearance, they shouldve been marked as being late, I contacted student loan who had a wrong email address, since then the problem has been corrected with student loan and showing in good standing with the bureaus, but they refuse to remove the 5 months of not paying on time, when I told them in was in forbearance, it still remains the same causing my account to reflect negatively.

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 2019-07-21 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: FL

Complaint narrative:
I contacted all three credit bureaus concerning my student loans werent delinquent, because they were in forbearance, they shouldve been marked as being late, I contacted student loan who had a wrong email address, since then the problem has been corrected with student loan and showing in good standing with the bureaus, but they refuse to remove the 5 months of not paying on time, when I told them in was in forbearance, it still remains the same causing my account to reflect negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 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: FL

Complaint narrative:
I contacted all three credit bureaus concerning my student loans werent delinquent, because they were in forbearance, they shouldve been marked as being late, I contacted student loan who had a wrong email address, since then the problem has been corrected with student loan and showing in good standing with the bureaus, but they refuse to remove the 5 months of not paying on time, when I told them in was in forbearance, it still remains the same causing my account to reflect negatively.

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 2019-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: FL

Complaint narrative:
I received an alert from my credit bureaus stating my credit account has dropped due to a collection account, never opened an account with afni and it just showed up on my report. I was never contacted by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 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: FL

Complaint narrative:
I Did not Authorize These Accounts

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 2019-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
My daughter has been going to preschool from more than an year in the XXXX XXXX of XXXX XXXX. we used to pay XXXX $ in cash to the school every month. My daughter started to get sick from XX/XX/2018 onwards due to some XXXX XXXXXXXX. we stopped her from going to school for almost 2 weeks. After that she got recovered a bit and then we started to send her to school. Again in next month she struggled with the same issue and we stopped the school for over a month. we asked School head ( a lady ) to stop the school for winter since she is not feeling well due to winter. But she convinced us telling that she has to come so that she will get some immunity. The situation continued she was running on antibiotics for over a month we are very frustrated and sad with her situation and then we changed the school sometime in XXXX. Until XXXX we paid all the fees and don't owe anything to the school. 

After this we started getting calls from her telling that we owe one month notice and has to pay one month school fees again. I told her and sent her email that this was happened. she threatened me that she will contact debt collection agency if we didn't pay. i said it is because of her we struggled a lot with my daughter 's health. 

Once i got a doubt and i went and i checked the conditions of the school in XXXX. I realized she is not following the XXXX rules and each teacher was given more than 10 children to take care of and the premises are also not clean. The bathrooms are not clean and kids will easily get sick in those conditions. The air conditioning is not clean and is full of dust which pumps it to the kids play area. 
I hope they realized it at least now. 

Now the debt collection agency come and tries to send a collection notice. They don't even know what happened and struggle we went through with the school environment. 
Now they opened a debt collection account on my name and it is now affecting my credit score. This is all happening because of a greedy and corrupt school head teacher.She thinks of school as a business and is playing with the health of many kids especially in winter. The kids does not even have good play area indoors to play during winter. She is still arrogant and uses unnecessary word in the phone call. 

The CFPB should have some enquiry done on this School. The school name is XXXX XXXX XXXX XXXX XXXX. First she don't provides invoices regarding the school fees. I don't know that until i move to a good school where they maintain accurate records. Whenever i pay the fees in cash she used to smile at me and take the money in cash with out hesitating. She does not follow the rules and also might be skimming a lot of money. 

Please beware these kind of schools and greedy school owners.

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 2019-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Card 's internal servers are constantly down. Customer support staff place me on hold. Every attempt I made to connect with an agent they deflected and sent me over to another department without actually addressing the problem. The agents were clearly only concerned with informing me repeatedly that I missed a couple of payments. 

Furthermore, there internal communications system is constantly undergoing routine maintenance. This limits the consumer 's ability to communicate and make payments in a timely manner. My credit card accounts are not an accurate representation of my integrity and my willingness to settle.

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