vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: QC HOLDINGS INC
State: MO

Complaint narrative:
I got a pay day loan from QC Financial Services for {$350.00} I was charged XXXX Annual Percentage Rate making the loan {$690.00} payable in 6 monthly payments of {$110.00}. I want an investigation into their practice of charging Usuary Interest Rates

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 2019-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: NY

Complaint narrative:
MUFG Union Bank, N.A. sends promotional emails to existing clients to induce them into spending more on their existing Union Bank accounts, with offers, among many : " Earn up to a {$50.00} statement credit on your everyday purchases. Here 's how : Click the Activate button for this special offer by XX/XX/XXXX Then simply use your card to make purchases during the promotional period from XX/XX/XXXX through XX/XX/2019. 

You will be rewarded with either a {$25.00} statement credit when you make at least {$500.00} in Eligible Purchases, or a {$50.00} statement credit when you make {$1000.00} or more in Eligible Purchases during the promotional period. '' Once activated and met spending requirements bonus never get posted to the account Customer service representative on the phone does not see the promotion on the account. However, the email has been sent and enrollment confirmed with a separate email. The spending requirement of {$1000.00} during the month of XX/XX/2019 has been meet. The {$50.00} statement credit never posted to the account.

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 monetary relief
Consumer complaint received 2019-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: KY

Complaint narrative:
On XX/XX/2019 I received my XXXX XXXX County, Kentucky property tax notice for my home. The gross amount of my taxes was {$2000.00}, but I called Mr. Cooper ( my mortgage company ) to see if they would pay it early so I could get a small discount and pay only {$1900.00}. The person who helped me on the phone said that she would make a note for early payment. 

On XX/XX/2019 I received a notice from Mr. Cooper stating that my taxes were paid. However, the information in the notice did not match my property. The notice said that taxes were paid for the wrong property ID in the amount of {$2600.00}. Once I noticed that the property ID number did not match my own, I contacted Mr. Cooper and let them know. When I looked up the property ID, I found that it was the property of my neighbor who is in a homeowner 's association with me. Meanwhile, my escrow funds had been used to pay my neighbor 's property taxes, leaving my escrow account with a negative balance. 

On XX/XX/XXXX I contacted Mr. Cooper and let them know about the error and requested that I speak to a manager. I was told that the issue would be researched and taken care of, but it still has not been resolved. My taxes still have not been paid, while my neighbor 's taxes have been paid twice. 

This is issue also occurred last year, and I ended up having to use my savings to pay my property taxes to avoid having a lien put on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 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: NJ

Complaint narrative:
To : CFPB Date : XX/XX/2019 AC # XXXX THERE IS A BILLING ERROR : REQUEST FOR ACCOUNT DETAILED AUDIT OF THE INVESTIGATION! 

THIS LETTER IS TO INFORM YOU THAT THERE IS A BILLING ERROR COMMITED BY XXXX  XXXX XXXX! I AM REQUESTING A DETAILED AUDIT OF THE INVESTIGATION! 

MY CREDIT CARD STATEMENTS WHERE TURNED OFF! XXXX  XXXX XXXX IS BLAMING ME FOR TURNING OFF MY CREDIT CARD STATEMENTS! I NEVER REQUESTED TO STOP RECEIVING PAPER STATEMENTS! AT NO POINT DID I REQUEST TO STOP RECEIVING PAPER STATEMENTS! 

I DO NOT ADMIT TO THE ALLEGATION THAT I CLICKED ON ANYTHING ON THERE WEBSITE TO TURN OFF PAPER STATEMENTS!!!! 

XXXX  XXXX XXXX RECORDS CLEARLY INDICATE THAT I DID NOT RECEIVE PAPER STATEMENTS FOR MONTHS! THIS CAUSED ME TO MIS MY XX/XX/2019 PAYMENT! I NOTIFIED XXXX  XXXX XXXX OF THIS PROBLEM ON XX/XX/2019 VIA PHONE AND BY LETTER ON XX/XX/2019 AND THEY NOTIFIED ME THAT THIS WAS MY DOING! WHICH IS A LIE! 

I AM REQUESTING DETAILED INFORMATION THAT I REQUESTED MY STATEMENTS TO BE TURNED OFF! I AM DEMANDING WRITTEN PROOF OF THIS REQUEST. PROVIDE AUDIO PROOF OF THIS REQUEST, IF I DIDNT SIGN ANYTHING REQUESTING PAPER STATEMENTS NOT TO BE MAILED TO MY HOME THEN THERE IS NO PROOF I REQUESTED STATEMENT NOT TO BE MAILED TO MY HOME! PLEASE PROVIDE DETAILED WRITTEN PROOF! PLEASE PROVIDE WRITTEN OR AUDIO PROOF OF THIS REQUEST WITH MY SIGNATURE! 

IF THEY CAN NOT FURNISH THIS INFORMATION PLEASE REMOVE IMMEDIATELY MY 30 DAY LATENES OF MY XXXX  XXXX XXXX ACCOUNT! 
UNDER THE TRUTH IN LENDING ACT, THE FAILURE OF A CARD ISSUER TO SEND A BILL IS CONSIDERED A BILLING ERROR!!!!!!! 
Update my XXXX  XXXX XXXX Credit Card payment history. Remove the 30 day late in XXXX of 2019. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ 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 2019-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
I am being charged for something my insurance should be paying. This charge is a result of an incorrect coding by the hospital for simple lab work as part of an annual medical visit that is always covered by my medical insurance. My doctors office says this happens frequently with XXXX. I have contacted them multiple times to ask them to resubmit and they will not. The collections is hurting my credit score and is something I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 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: NJ

Complaint narrative:
To : CFPB Date : XX/XX/2019 AC # XXXX THERE IS A BILLING ERROR : REQUEST FOR ACCOUNT DETAILED AUDIT OF THE INVESTIGATION! 

THIS LETTER IS TO INFORM YOU THAT THERE IS A BILLING ERROR COMMITED BY XXXX XXXX XXXX! I AM REQUESTING A DETAILED AUDIT OF THE INVESTIGATION! 

MY CREDIT CARD STATEMENTS WHERE TURNED OFF! XXXX  XXXX XXXX IS BLAMING ME FOR TURNING OFF MY CREDIT CARD STATEMENTS! I NEVER REQUESTED TO STOP RECEIVING PAPER STATEMENTS! AT NO POINT DID I REQUEST TO STOP RECEIVING PAPER STATEMENTS! 

I DO NOT ADMIT TO THE ALLEGATION THAT I CLICKED ON ANYTHING ON THERE WEBSITE TO TURN OFF PAPER STATEMENTS!!!! 

XXXX XXXX XXXX RECORDS CLEARLY INDICATE THAT I DID NOT RECEIVE PAPER STATEMENTS FOR MONTHS! THIS CAUSED ME TO MIS MY XX/XX/2019 PAYMENT! I NOTIFIED XXXX  XXXX XXXX OF THIS PROBLEM ON XX/XX/2019 VIA PHONE AND BY LETTER ON XX/XX/2019 AND THEY NOTIFIED ME THAT THIS WAS MY DOING! WHICH IS A LIE! 

I AM REQUESTING DETAILED INFORMATION THAT I REQUESTED MY STATEMENTS TO BE TURNED OFF! I AM DEMANDING WRITTEN PROOF OF THIS REQUEST. PROVIDE AUDIO PROOF OF THIS REQUEST, IF I DIDNT SIGN ANYTHING REQUESTING PAPER STATEMENTS NOT TO BE MAILED TO MY HOME THEN THERE IS NO PROOF I REQUESTED STATEMENT NOT TO BE MAILED TO MY HOME! PLEASE PROVIDE DETAILED WRITTEN PROOF! PLEASE PROVIDE WRITTEN OR AUDIO PROOF OF THIS REQUEST WITH MY SIGNATURE! 

IF THEY CAN NOT FURNISH THIS INFORMATION PLEASE REMOVE IMMEDIATELY MY 30 DAY LATENES OF MY XXXX XXXX XXXX ACCOUNT! 
UNDER THE TRUTH IN LENDING ACT, THE FAILURE OF A CARD ISSUER TO SEND A BILL IS CONSIDERED A BILLING ERROR!!!!!!! 
Update my XXXX  XXXX XXXX Credit Card payment history. Remove the 30 day late in XXXX of 2019. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 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: NJ

Complaint narrative:
To : CFPB Date : XX/XX/2019 AC # XXXX THERE IS A BILLING ERROR : REQUEST FOR ACCOUNT DETAILED AUDIT OF THE INVESTIGATION! 

THIS LETTER IS TO INFORM YOU THAT THERE IS A BILLING ERROR COMMITED BY XXXX  XXXX XXXX! I AM REQUESTING A DETAILED AUDIT OF THE INVESTIGATION! 

MY CREDIT CARD STATEMENTS WHERE TURNED OFF! XXXX  XXXX XXXX IS BLAMING ME FOR TURNING OFF MY CREDIT CARD STATEMENTS! I NEVER REQUESTED TO STOP RECEIVING PAPER STATEMENTS! AT NO POINT DID I REQUEST TO STOP RECEIVING PAPER STATEMENTS! 

I DO NOT ADMIT TO THE ALLEGATION THAT I CLICKED ON ANYTHING ON THERE WEBSITE TO TURN OFF PAPER STATEMENTS!!!! 

XXXX  XXXX XXXX RECORDS CLEARLY INDICATE THAT I DID NOT RECEIVE PAPER STATEMENTS FOR MONTHS! THIS CAUSED ME TO MIS MY XX/XX/2019 PAYMENT! I NOTIFIED XXXX XXXX XXXX OF THIS PROBLEM ON XX/XX/2019 VIA PHONE AND BY LETTER ON XX/XX/2019 AND THEY NOTIFIED ME THAT THIS WAS MY DOING! WHICH IS A LIE! 

I AM REQUESTING DETAILED INFORMATION THAT I REQUESTED MY STATEMENTS TO BE TURNED OFF! I AM DEMANDING WRITTEN PROOF OF THIS REQUEST. PROVIDE AUDIO PROOF OF THIS REQUEST, IF I DIDNT SIGN ANYTHING REQUESTING PAPER STATEMENTS NOT TO BE MAILED TO MY HOME THEN THERE IS NO PROOF I REQUESTED STATEMENT NOT TO BE MAILED TO MY HOME! PLEASE PROVIDE DETAILED WRITTEN PROOF! PLEASE PROVIDE WRITTEN OR AUDIO PROOF OF THIS REQUEST WITH MY SIGNATURE! 

IF THEY CAN NOT FURNISH THIS INFORMATION PLEASE REMOVE IMMEDIATELY MY 30 DAY LATENES OF MY XXXX  XXXX XXXX ACCOUNT! 
UNDER THE TRUTH IN LENDING ACT, THE FAILURE OF A CARD ISSUER TO SEND A BILL IS CONSIDERED A BILLING ERROR!!!!!!! 
Update my XXXX  XXXX XXXX Credit Card payment history. Remove the 30 day late in XXXX of 2019. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ 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 2019-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
To : CFPB Date : XX/XX/2019 AC # XXXX THERE IS A BILLING ERROR : REQUEST FOR ACCOUNT DETAILED AUDIT OF THE INVESTIGATION! 

THIS LETTER IS TO INFORM YOU THAT THERE IS A BILLING ERROR COMMITED BY BANK OF AMERICA! I AM REQUESTING A DETAILED AUDIT OF THE INVESTIGATION! 

MY CREDIT CARD STATEMENTS WHERE TURNED OFF! BANK OF AMERICA IS BLAMING ME FOR TURNING OFF MY CREDIT CARD STATEMENTS! I NEVER REQUESTED TO STOP RECEIVING PAPER STATEMENTS! AT NO POINT DID I REQUEST TO STOP RECEIVING PAPER STATEMENTS! 

I DO NOT ADMIT TO THE ALLEGATION THAT I CLICKED ON ANYTHING ON THERE WEBSITE TO TURN OFF PAPER STATEMENTS!!!! 

BANK OF AMERICA RECORDS CLEARLY INDICATE THAT I DID NOT RECEIVE PAPER STATEMENTS FOR MONTHS! THIS CAUSED ME TO MIS MY XX/XX/2019 PAYMENT! I NOTIFIED BANK OF AMERICA OF THIS PROBLEM ON XX/XX/2019 VIA PHONE AND BY LETTER ON XX/XX/2019 AND THEY NOTIFIED ME THAT THIS WAS MY DOING! WHICH IS A LIE! 

I AM REQUESTING DETAILED INFORMATION THAT I REQUESTED MY STATEMENTS TO BE TURNED OFF! I AM DEMANDING WRITTEN PROOF OF THIS REQUEST. PROVIDE AUDIO PROOF OF THIS REQUEST, IF I DIDNT SIGN ANYTHING REQUESTING PAPER STATEMENTS NOT TO BE MAILED TO MY HOME THEN THERE IS NO PROOF I REQUESTED STATEMENT NOT TO BE MAILED TO MY HOME! PLEASE PROVIDE DETAILED WRITTEN PROOF! PLEASE PROVIDE WRITTEN OR AUDIO PROOF OF THIS REQUEST WITH MY SIGNATURE! 

IF THEY CAN NOT FURNISH THIS INFORMATION PLEASE REMOVE IMMEDIATELY MY 30 DAY LATENES OF MY BANK OF AMERICA ACCOUNT! 
UNDER THE TRUTH IN LENDING ACT, THE FAILURE OF A CARD ISSUER TO SEND A BILL IS CONSIDERED A BILLING ERROR!!!!!!! 
Update my Bank of America Credit Card payment history. Remove the 30 day late in XXXX of 2019. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ 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 2019-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
XX/XX/2019 as a well know auction company, an agreement of consignment was endorsed advertise/market and sell absolute on site auction of a variety of personal property. The people endorsing the agreement, paid $XXXX for initial advertising/marketing cost, sent via Paypal. There was cataloging, profiling, clean up, photos, several thousand colored brochures printed and mailed to varies potential buyers, several extra trips due to their construction issues, several employee's (10)+ making 10+ trips to work. Advertising in local newspaper, internet sites, on line auctions performed. Due to the unexpected auction turn out and sold items, the sellers wanted their advertising/marketing money returned. Their objection and complain to Pay Pal was DID NOT RECEIVE MERCHANDISE,  but there was not merchandise, only services as advertising/marketing, cost of the auction.
I sent a copy of the agreement, expenses, and copies of the sold items of over $10,000.00, our company had several hundred dollars of out of pocket expenses, But, Pay pal advised and ruled in the sellers favor. Due to the arrangements of their firm, we have been TOTAL unable to speak with anyone, ONLY a virtually chatter. We need your assistance in resolving this issue. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian sent an email message to my wife and a separate email message to me stating, " This email is confirmation that your IDnotify membership expired. You no longer have access to CreditLock, and your Experian credit file has been unlocked. '' The online mechanism to set a credit file Security Freeze does not work for my wife or for me, perhaps because we do have Security Freezes in place. As a result, the only means offered by Experian to lock a Experian credit file is to enroll in Experian 's latest credit monitoring service. Even the free credit monitoring service requires the consumer to accept advertising from Experian and its business partners. Only after accepting a new, free membership in Experian 's credit monitoring service, with the unwanted advertising, was I informed that there was still a Security Freeze on my Experian credit file and Experian was offering another service called " CreditLock '' that would prevent identity theft. Clearly, this is deceptive marketing by a credit bureau.

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 2019-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Dear CFPB, I contacted TD Bank XXXX XXXX XX/XX/XXXX asking for the copy of a XXXX lien in the husband 's name only and its termination which was disclosed in XXXX by XXXX XXXX  XXXX lien search for the bank and said to have needed to be satisfied in advance of closing my mortgage in XXXX. There is no UCC3 for this lien in XXXX.Mr XXXX sent some documents but he did not send any pertaining to the lien. 
TD Bank holds my mortgage taken out in XXXX. I have a terminating alimony and will need to sell my apartment within two years. If I do not have documentation that the lien is terminated, I will not be able to sell my apartment but I will also not be able to afford to continue to pay the mortgage to TD Bank, making my situation untenable. It is essential that the bank provide all documents to me concerning this lien in the husband 's name only. I have requested them several times and the bank has failed to send them. I am divorced, XXXX years old and the bank is putting me in an economically vulnerable situation by withholding my documents. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On XX/XX/2019, at XXXX XXXX, I received a called from a collection agency " Midland Funding LLC on a Sunday. I owe the original creditor, ( XXXX XXXX XXXX  ) balance owed {$1000.00}. When I received a missed called at, XXXX XXXX  from Midland Funding LLC. I called the number back,XXXX ; a collection customer service agent answered. I inform her. '' you'll not be called me on " Sundays ''? The agent stated she did not know whom I called, however, can I get your phone number for security purposes? repeated the first statement, " you can not be called me on Sundays I told her I'm hanging up now, have a great day! I did my research collections agencies can not call debtors on weekends. I know I owe them money, however, I will not be harassed on Sundays.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-08 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: OH

Complaint narrative:
I have sent numerous letters to this specific credit bureau, and have not gotten the results I've asked for. I have a significant amount of delinquent accounts on my credit file that does not belong to me due to identity theft in 2012, I have asked them to investigate and remove these items from my credit file but they are not holding back. I have also asked for PROOF OF DOCUMENTATION THAT BEARS MY PHYSICAL SIGNATURE once the investigation is complete and they have not sent me that proof either. 

I'm in desperate need of help from the CFPB, due to the fact that this has been hendering my life and I cant get approved for a home loan that I've applied for do to these negative items on my credit file, and the credit bureau won't do anything about it. 

The accounts below that are listed, I'm asking that you do a final reinvestigation and if you say the accounts belong to me, XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX   XXXX XXXX - XXXX - XXX XXXX  - XXXX XXXX XXXX XXXX XXXX PLEASE SEND ME AND THE CFPB, PHYSICAL PROOF OF A CONTRACT OR DOCUMENT BEARING MY SIGNATURE. THATS ALL I'M ASKING FOR!!!!! 

PLEASE SEND ME AND THE CFPB, PHYSICAL PROOF OF A CONTRACT OR DOCUMENT BEARING MY SIGNATURE. THATS ALL I'M ASKING FOR!!!!! 

PLEASE SEND ME AND THE CFPB, PHYSICAL PROOF OF A CONTRACT OR DOCUMENT BEARING MY SIGNATURE. THATS ALL I'M ASKING FOR!!!!! 

THIS IS MY LAST RESORT, IF I DON'T HAVE THESE ITEMS DELETED, YOU CAN CONTACT MY LAWYER TO WORK OUT A SOLUTION TO AVIOD LITIGATION. MY LAWYER CONTACT INFORMATION IS LISTED BELOW. 

XXXX XXXX Attorney at Law XXXX XXXX XXXX XXXX XXXX OH 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 2019-12-08 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: SC

Complaint narrative:
Since XX/XX/XXXX-XX/XX/XXXX I've sent 4 separate letters to each credit bureau XXXX, XXXX, and Equifax asking that they provide me proof of an account on my credit report. Since they have not provided me proof. I've asked them to remove the account. As of the time of this writing they have not removed the adverse account. 
It was my understanding that under SECTION 609 of the Fair Credit Reporting Act, that the credit reporting agencies are suppose to provide me a copy of the original contract that I signed and as the credit reporting agency they are supposed to have. I mean, if they are verifying the account as being valid/correct then they, by law, are supposed to have a copy of that contract to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 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: NV

Complaint narrative:
I have tried in three separate mailings to resolve this with XXXX, Experion, and XXXX. On each occasion I included the required identifying information along with court documents showing the respective dates of a dismissed without prejudices  bankruptcy (mine) in the XXXX (XXXX) Bankruptcy Court and the court document showing the Discharged (XX/XX/2018) Bankruptcy case in the XXXX   Bankruptcy Court, along with my request that the credit reporting bureaus recognize the dismissed bankruptcy on my credit report, which they had not done for over a year, and that they report the discharged bankruptcy in the Nevada court.  I just completed my fourth mailing and neither of these request have been honored by any of the three major credit reporting bureaus.

BOTTOM LINE: My credit report is not accurate which I believe the Fair Credit Reporting Act requires the 3 bureaus to ensure.

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