vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-06 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:
These collection account where not deleted and they where in the past COLLECTIONS XXXX XXXX XXXX  Opened XX/XX/XXXX {$670.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount.

Balance {$670.00} Highest Balance {$670.00} Opened XX/XX/XXXX ( 3 yrs, 3 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX  See an error?

DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX.

DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX  ( XXXX ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$600.00} Original creditor : XXXX XXXX Overview You've paid off -33 % of your collection amount.

Balance {$600.00} Highest Balance {$450.00} Opened XX/XX/XXXX ( 5 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX See an error?

DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX.

DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN 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 2019-02-06 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: CO

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please sep up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 
XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX and 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 2019-02-06 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: NY

Complaint narrative:
As of XX/XX/XXXX I Realize that my information was used to open account dating back all the way to XX/XX/XXXX for a outstanding balance of {$2100.00}. Second account seemed somewhat similar with an account Dating back to XX/XX/XXXX with a outstanding balance of {$2300.00} .3rd account XXXX XXXX XXXX XXXX XXXX Dating back to XX/XX/XXXX with an outstanding balance of {$260.00} the Specific steps advise by the credit girls which was filing a police report which will be uploaded the file

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 2019-02-06 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: NY

Complaint narrative:
As of XXXX of XXXX I Realize that my information was used to open account dating back all the way to XX/XX/XXXX for a outstanding balance of {$2100.00}. Second account seemed somewhat similar with an account Dating back to XX/XX/XXXX with a outstanding balance of {$2300.00} .3rd account XXXX XXXX XXXX  XXXX XXXX Dating back to XX/XX/XXXX with an outstanding balance of {$260.00} the Specific steps advise by the credit girls which was filing a police report which will be uploaded the file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Armada Corp.
State: NV

Complaint narrative:
On XX/XX/XXXX I sent a dispute letter to Armada collections agency and as proof I sent the letter with a certified mail receipt. Armada responded on XX/XX/XXXX not with verification but just a print out of charges of the alleged debt. The letter sent by me plainly said to provide viable evidence bearing my signature as proof of the debt being reported to the major credit bureaus. I sent a second letter certified mail on XX/XX/XXXX I was sent the same information as before just a print out. It is now over 3 mos and they have not sent the proof I requested. I did notice they removed the item from my credit report temporarily but has since added the item to my credit report once again. Armada has violated the FDCPA { 807 } and { 15 USC 1962a }. They have not placed the clause ( Account information disputed by consumer, meeting FCRA requirements at all or within the 30 day period. I will be filling action against this company in small claims court as stated in the letter I sent on XX/XX/XXXX and XX/XX/XXXX. I have since been denied credit because of such error and this has been frustrating because it has effected my livelihood.

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 2019-02-06 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: CO

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please sep up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I open a checking/saving with a {$500.00} promo back in XX/XX/2018. Get {$300.00} for a direct deposit and {$200.00} for depositing {$15000.00} new money for 90 days. During the process the banker told me the {$15000.00} new money can be deposit into any account. Now 4 months later they are denying me the {$200.00} saying it needed to be deposit into saving. I could have easily transfer the {$15000.00} into my saving with 2 clicks. I lost 3 months of investing the {$15000.00} elsewhere and all they told me was sorry for the misunderstanding.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-06 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: TX

Complaint narrative:
I have requested inaccurate and unverifiable inquiries be removed from my credit report via FCRA laws. I have requested written proof be sent to me and this was not done. I was the victim of identity theft and I requested that theses inquiries be removed ASAP and this never happened

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 2019-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Student Loans Consolidated, Inc
State: WA

Complaint narrative:
On XX/XX/2018, I wanted to participate in the federal student loan rehabilitation program, so I clicked on the first ad I saw after doing a XXXX search. I called Student Loans Consolidated and mentioned to them that I had rehabilitated my loan in the past and would like to do it again. They agreed, so we negotiated on the initial fee of three monthly  payments of {$180.00} for a total amount of {$540.00}. I made the payments via money orders and then waited for them to contact me with further instructions. In XX/XX/XXXX, I heard somewhere that a person can not rehabilitate a loan twice. I XXXX  it and sure enough it was true. I was livid. These people knew that when we talked on the phone and had misled me. I emailed XXXX XXXX and demanded my money back. He said his manager, XXXX XXXX, would be handling my account and contact me concerning any refund. Well, Mr. XXXX never contacted me at that time, and Mr. XXXX said that he handed my account over to their legal team to reverse my rejection. I then threatened to sue them. I have already filed a complaint with the Washington State Attorney General 's Office, and now with the Consumer Financial Protection Bureau.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-06 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: TX

Complaint narrative:
I have requested inaccurate and unverifiable inquiries be removed from my credit report via FCRA laws. I have requested written proof be sent to me and this was not done. I was the victim of identity theft and I requested that theses inquiries be removed ASAP and this never happened

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kansas Counselors, Inc.
State: MO

Complaint narrative:
After pulling a copy of my credit report I notice that this collection agency is reporting 3 accounts on my credit report on my credit report.

1. Act # XXXX 2. Act # XXXX 3. Act # XXXX I send them a letter disputing this claim and send it with tracking receipt XXXX XXXX XXXX XXXX XXXX XXXX. I requested that they send me any agreement that grants them the authority to collect. Or any proof of acquisition by purchase or assignment and authorization under subtitle D of the ARRA, SEC.13401.  APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. I also asked that they send me copies of any agreement that bears my signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. In which they have failed to send me these items and still reporting on my credit report. I am not at all refusing to pay I only send as a notice of dispute to the claims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Initial Dispute sent approximately XX/XX/XXXX Via XXXX XXXX 2nd Dispute sent approximately XX/XX/XXXX Via XXXX XXXX I have included all accounts in question. And since this credit bureau chooses again and again not to perform a complete investigation. I am sent this as an official complete before seeking out legal aid in hopes of good faith that Equifax will delete these accounts off of my credit report due to these errors and violations. I am hoping CFPB can assist me. 

- XXXX - XXXX  Multiple Errors 1. No payment history reporting, how can I prove that I wasnt late? DELETE THESE ACCOUNTS DUE TO CLEAR FCRA VIOLATIONS 2. Dates wrong in every account DELETE THESE UNVERIFIED ACCOUNTS. 
There are 2 counts within this listing of FCRA VIOLATIONS. If I were to seek legal aid that would grant me {$2000.00} in damages alone. I am not trying to just jump and sue, I want my accounts fix. DELETE ALL ISSUES. Or I will be force to seek out legal council. 


- XXXX XXXX XXXX  ( 5x ) 1. Duplicate account shows 5 times DELETE ALL ACCOUNTS DUE TO ERROR 2. No payment history reporting, how can I prove that I wasnt late? DELETE THESE ACCOUNTS DUE TO CLEAR FCRA VIOLATIONS 3. Dates wrong in every account DELETE THESE UNVERIFIED ACCOUNTS. 
There are 3 counts within 5 listed accounts ( 15 counts ) of FCRA VIOLATIONS. If I were to seek legal aid that would grant me {$15000.00} in damages alone. I am not trying to just jump and sue, I want my accounts fix. DELETE ALL ISSUES. Or I will be force to seek out legal council. 


INVESTIGATION HAS TAKEN LONGER THAN 30 DAYS FOR : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX 4. XXXX XXXX ( 1 ) This 4 accounts above where NOT investigate in time. It is now 60 days past my original dispute date. ( 2 ) THESE ACCOUNTS NEED TO BE DELETE IMMEDIATELY DUE TO A CLEAR VIOLATION OF THE FCRA. ( 3 ) THESE ACCOUNTS ARE NOT VERIFIED. ( 4 ) THESE ACCOUNTS HAVE NOT BEEN REVIEWED IN A COMPLETED INVESTIGATION. ( 5 ) THESE ACCOUNTS HAVE NO METHOD OF VERIFICATION. There are 5 counts within 4 different accounts ( 20 counts ) of FCRA VIOLATIONS. If I were to seek legal aid that would grant me {$20000.00} in damages alone. I am not trying to just jump and sue, I want my accounts fix. DELETE ALL ISSUES. Or I will be force to seek out legal council. 


There are is GRAND TOTAL OF 37 counts within 9 accounts listings of FCRA VIOLATIONS. If I were to seek legal aid that would grant me {$37000.00} in damages minimum alone. THIS IS A VERY SERIOUS MATTER. Your attention is of the most importance please. I am not trying to just jump and sue, I want my accounts fix. DELETE ALL ISSUES. Or I will be force to seek out legal council and seek out 100 % of my remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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: AL

Complaint narrative:
My signature was forged on a student loan document as a guarantor for which I had no knowledge of. When defaulted, I was not notified as lender did not have my address or any other info about me. When I discovered, I made payments, in spite of not owing, and eventually paid/satisfied the debt. Creditor has reported to credit bureaus that any disputes have been paid and resolved, yet credit bureaus have not deleted this erroneous listing from my reports, in spite of creditor 's 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 explanation
Consumer complaint received 2019-02-06 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: AL

Complaint narrative:
My signature was forged on a student loan document as a guarantor for which I had no knowledge of. When defaulted, I was not notified as lender did not have my address or any other info about me. When I discovered, I made payments, in spite of not owing, and eventually paid/satisfied the debt. Creditor has reported to credit bureaus that any disputes have been paid and resolved, yet credit bureaus have not deleted this erroneous listing from my reports, in spite of creditor 's request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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: Ocwen Financial Corporation
State: PA

Complaint narrative:
I submitted a loan modification last XX/XX/2018, during that time I paid my mortgage note on time each month until my modification was complete. Payments were taken and none were rejected. Until I applied for a second mortgage with another company I was denied due to multiple 120 day late payment reports on my current mortgage, which is incorrect. I have called the mortgage company, written letters to them as well as the XXXX  and the late payments have not been removed. I have proof from my financial institution that the payments were made and received by OCWEN however I was informed by a representative that there is nothing they can do and because the loan was in modification it does not matter that I made my payments and they were recorded they will not remove the late fees. I am being denied for loans and I must move and obtain another mortgage immediately. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA

Complaint narrative:
I applied for an auto loan at OneMain Financial on XX/XX/2019. 
I was called that the loan has been approved after reviewing all the documents sent to them. 
I live in XXXX and the Car that I found was in XXXX PA where the OneMain Financial is also located The bank called me that the Loan has been approved and I should come sign the documents and pick the car immediately. 
I told them I will come the next day. 
I took off at work and called the car dealer car dealer to let them know we will be coming the next morning The next Morning I started the 4hrs30 mind journey, The bank called me to ask if I am on my way already, i told them yes i am on my way with my wife and kids ( XXXX old and XXXX old ), And she said we are waiting, she said to come with my insurance card and I told her I will do. 
Few minutes later, after driving for 2hrs45mins, the car dealer called that he doesn't understand what the bank is saying that I have to call the bank, He said the loan is not Approved. 
I immediately called the bank and they told me they are sorry that the loan is not approved because of some documents I was in total shock, Not because the loan was not approved, But because they asked me to come, and I took off for the day and have my family in the car, on the road for hours. 
I was told sorry and I had to drive another 2hrs45mins back home My kid took ill and my car broke down on my way back. 
It was just a terrible day for my Family.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I contacted Santander and they will not give me any information on GAP and the amount that I paid. They have told me it does not show up in their system when it's a fact GAP was added to the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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: PA

Complaint narrative:
I submitted a loan modification last XX/XX/2018, during that time I paid my mortgage note on time each month until my modification was complete. Payments were taken and none were rejected. Until I applied for a second mortgage with another company I was denied due to multiple 120 day late payment reports on my current mortgage, which is incorrect. I have called the mortgage company, written letters to them as well as the XXXX and the late payments have not been removed. I have proof from my financial institution that the payments were made and received by XXXX however I was informed by a representative that there is nothing they can do and because the loan was in modification it does not matter that I made my payments and they were recorded they will not remove the late fees. I am being denied for loans and I must move and obtain another mortgage immediately. Please Help!

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 2019-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
XXXX previous complaint file XX/XX/2018 was dismissed by company. Please take action as the agency who protects my financial information. 
* USAA & XXXX reported my work experience, date of employment, etc on XXXX XXXX XXXX  background report * USAA & XXXX did employment inquiries on XXXX XXXX XXXX  credit report to gain information -- this endangered her ability to collect her XXXX pay as she can not work. 
* USAA & XXXX 's intent was to prove that XXXX was not an actual person but fictious to prove that I did not have a XXXX  sister. 
* USAA & XXXX XXXX intent is to show that I have mental illnesses that I do not have. 
AS the FEDERAL agency appointed to protect ME and MY PRIVATE information, please investigate what has been reported on XXXX XXXX XXXX reports and background and inquiries that are actually mine and were caused to be there by USAA & XXXX. It if vitally important to me that my sister NOT HAVE my background information or any current or future information.

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