vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-21 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: OH

Complaint narrative:
I have sent seperate 2 certified letters of demand to all three credit reporting agency asking to provide me with validation that the charge off accounts that they are reporting does belong to me. Upon receiving my first certified letters requesting validation, all three agency responded back saying that they have validated the debt as belonging to me, but they never provided me with proof of their validation. I then sent out a second set of certified letters, again to all three reporting agencies asking for proof of validation. Again, i was only told that the debt was validated as belonging to me. Again, no proof was provided. I asked for signed contracts, but they are unable to provide me with any proof. The charge off account still remains on 3 reports. 

The accounts that I need validation for are as follow : XX/XX/XXXX XX/XX/XXXX Provided are the delivery confirmation for the certified letters that was sent to the reporting agencies : Experian : XX/XX/XXXX ( sent XX/XX/18 ) XX/XX/XXXX: XX/XX/XXXX ( sent XX/XX/18 ) XX/XX/XXXX ( sent XX/XX/18 ) XX/XX/XXXX: XX/XX/XXXX ( sent 6/22/18 ) XX/XX/XXXX ( senXX/XX/18 ) I would like these account DELETED from my report or the debt validated as mine and proof sent to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

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 2018-12-21 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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I have consulted with attorney regarding medical hardship. Submitted several court XXXX documents and letter. Company is fully aware. XXXX treatments failed. Can no longer pay debts. Have no collateral, etc. Attorney directed me to send documents so options are available for company to write off debt due to medical hardship. Company still showing late payments. Never was late, always paid my debts. No one asks for XXXX. Asking for info be removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 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: MD

Complaint narrative:
This complaint is against, XXXX, XXXX, and Experian. 
Problem # 1. All three credit reporting Agency refused to remove a negative account with XXXX, after so many attempts explaining there account was paid in full at the time I terminated my service. 
All three credit reporting easily take side with XXXX, choosing to not give my dispute any type of credibility. 

Problem # 2, All three credit report Agency, XXXX XXXX and Experian continues to report an old account that was in collection as still being in collection even after the fact it has been settled by the owner of the account. I was a co-signer on the account to help a friend get for a rental properties, but the signer of the account settled the account and paid in full. 

Problem # 3, All three credit report Agency, neglectfully assessing my three digit credit score number below 680. I have over {$110000.00} Credit line, with only a 10 % Debt to ratio outstanding balances. 20 years of excellent credit history, Mortgage paid off within 19 years. My credit score should be at the lowest 790 and 850 at the highest. These credit reporting are bias and work for the best interest of Banks, Lenders and Credit Card Owners. 
I am trying to take an equity credit line to pay for XXXX of my children college tuition and home improvement, but the lower credit score reported than my credit worthiness deserve, has caused me a great deal of disadvantage. 
This is just an abuse of a power of these three credit reporting agencies. They are simply working against us consumers. They take every opportunities to destroy us consumers after us being  building our credit for decades. These reporting agency do not care to look at the totality of our credit history, we could have 20 years of excellent payment history, and one day we face a creditor trying to collect on account that we dispute and we refuse to pay it because we do not owe it,???? then the credit reporting agency instead of allowing us to exercise our right to dispute it, they side with the creditors and the destroy our lives. They work for them not us the consumers. this has to be STOPPED

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 2018-12-21 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: FL

Complaint narrative:
I am so tired knowing that my concern was not attended by XXXX!! I keep sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 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: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
I have submitted two CFPB complaints thus far for this issue both times Mr. Cooper thinks they have explained away the problem. I will now be attaching THEIR response stating THEIR records show me as paid in full and not late in XXXX. I will also be attaching a screen shot of my credit report where THEY reported me as 30 days late that month. 

If they have admitted that I was paid in full that month, why did they report me as 30 days late? If they made that mistake, isn't it possible they could have made the other, like I continue to say. I would like a letter of deletion for the month on XX/XX/2017 that they have now admitted in writing is an error on their part. I will continue to file complaints and have hired an attorney because companies shouldn't be able to treat XXXX XXXX   XXXX recipient veterans this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: NAVY FEDERAL CREDIT UNION
State: OK

Complaint narrative:
contacted Navy Federal in Early XXXX to confirm travel notification and that my credit card with " no foreign transaction fees '' will work during upcoming trip to XXXX. 
was told it will work, and to put the alert on via the website. did so for both the credit and debit cards. 
the debit card has a foreign transaction fee. 
the credit card will not work. 
i have tried numerous times to contact navy federal while abroad, and they tell me they can not assist me because there is a country sanction from office of foreign asset control. 
why does one card work, and not the other. 
why is it the card with foreign ttsnsaction fees that works, and not the other. 
it feels as though they are steering transactions towards the card with higher fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-21 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 am so tired knowing that my concern was not attended by Experian!! I keep sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX, 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 2018-12-21 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: FL

Complaint narrative:
I don't understand why these accounts are showing up with inaccurate information, this needs adjusting because it was not paid late, payments were made on time on XXXX XXXX   XXXX, XXXX XXXX XXXX. Since Transunion couldn't help me, CFPB step up and fix the accounts asap

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Today XX/XX/2018 this XXXX I was on XXXX to look to purchase tickets for XXXX XXXX XXXX  as my XXXX present for myself. I found tickets online for {$180.00} for 2 tickets. I texted the number that was available and the person texted back. He said he had the tickets and that to email him my email so he can send my tickets through XXXX. He asked gave me his name, phone number and email and I sent money through XXXX. He even texted that his wife works for the company and that he could not go because he going to a XXXX for his XXXX child.He texted me a receipt of the purchase and the code. After a few minutes I still did not receive the tickets through XXXXXXXX or an email. He did not respond after that. I asked him to cancel and to send my money back since I did not get the tickets. I even tried to call him a few times, no answer.I contact Chase after and hour or so and they said it was too late and they could not reverse the transaction. I contacted XXXX too they said they could not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NY

Complaint narrative:
I told this company the debt is my sister they sent a electronic signature sayin i signed it i want a written signature and pictures of me at this place i never lived in Connecticut only lived in XXXX XXXX   and XXXX no where else im a XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-21 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: FL

Complaint narrative:
I don't understand why these accounts are showing up with inaccurate information, this needs adjusting because it was not paid late, payments were made on time on XXXX XXXX   XXXX Since Equifax and XXXX couldn't help me, CFPB step up and fix the accounts asap

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 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: GA

Complaint narrative:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW is the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX Account # : XXXX Date Open : XX/XX/2017 Balance : XXXX Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX Date : XX/XX/2017 Company : XXXX XXXX XXXX  Date : : XX/XX/2017 Company : XXXX XXXX Date : :XX/XX/2017

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 2018-12-21 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: FL

Complaint narrative:
I don't understand why these accounts are showing up with inaccurate information, this needs adjusting because it was not paid late, payments were made on time on XXXX XXXX   XXXX Since XXXX and Experian couldn't help me, CFPB step up and fix the accounts asap

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 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: FL

Complaint narrative:
I am so tired knowing that my concern was not attended by XXXX!! I keep sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Applied for credit. 
Received low offer at high interest rate : XXXX @ 25 % APR Company sent credit card and we did not activate card/account nor log in to account Company immediately started reporting to credit bureaus One year later we receive paper statements Second statement asked for annual fee We declined to pay annual fee since we never activated card/account Called company they offered two options pay fee or close account Closing account would harm credit score Paying fee is unfair since we never used card

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 2018-12-21 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: AL

Complaint narrative:
The credit reporting companies are not properly investigating rather they keep just replying with the same prepared 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 2018-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW is the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX Account # : XXXX Date Open : XX/XX/2017 Balance : XXXX Below are fraudulently unauthorized inquires on my report : Company : XXXXXXXX XXXX Date : XX/XX/2017 Company : XXXX XXXX XXXX Date : : XX/XX/2017 Company : XXXX XXXX Date : : XX/XX/2017

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 2018-12-21 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: GA

Complaint narrative:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW is the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX Account # : XXXX Date Open : XX/XX/2017 Balance : XXXX Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX  Date : XX/XX/2017 Company : XXXX XXXX XXXX Date : : XX/XX/2017 Company : XXXX XXXX Date : :XX/XX/2017

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 2018-12-21 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: AL

Complaint narrative:
The credit reporting companies are not properly investigating rather they keep just replying with the same prepared response

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 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: AL

Complaint narrative:
The credit reporting companies are not properly investigating rather they keep just replying with the same prepared 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 2018-12-21 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: GA

Complaint narrative:
I was informed that you could help me with some things that are on my credit. I reached out to the police and and also I was told to contact the FTC and I did. Can you please have these items taken off. These are the accounts that are not mine, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-12-21 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 am so tired knowing that my concern was not attended by Experian!! I keep sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX 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 2018-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was informed that you could help me with some things that are on my credit. I reached out to the police and and also I was told to contact the FTC and I did. Can you please have these items taken off. These are the accounts that are not mine, XXXX. XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX/XXXX XXXX, XXXX XXXX, XXXX 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