vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-31 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: NC

Complaint narrative:
The following student loans were reported on my credit report.. Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with Experian for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 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
Consumer complaint received 2019-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Ihave3collectionsonmycreditreportfromthesamecompanyLVNVFUNDINGLLC.Iwasnevernotifiedofthesecollectionsandwhendisputetheaccounts,thecompanysendsmealettersayingtheynotifieda3rdpartyconsolidationcompanyandthatcompanynotifiedme.Thisisnottrue,IwasNEVERnotifiedbyanyone.Thecompanyrefusestovalidatethese3accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: NC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: NC

Complaint narrative:
Please know that I was not late on the mentioned accounts here.. I wonder why credit bureaus report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me XXXX   XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: NC

Complaint narrative:
Please know that I was not late on the mentioned accounts here.. I wonder why credit bureaus report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me 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
Consumer complaint received 2019-05-31 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: NC

Complaint narrative:
Please know that I was not late on the mentioned accounts here.. I wonder why credit bureaus report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me 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
Consumer complaint received 2019-05-31 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: GA

Complaint narrative:
Please know that I was not late on the mentioned accounts here.. I wonder why credit bureaus report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for meXXXX XXXX XXXX XXXX XXXX, XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: GA

Complaint narrative:
Please know that I was not late on the mentioned accounts here.. I wonder why credit bureaus report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for meXXXX 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
Consumer complaint received 2019-05-31 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: GA

Complaint narrative:
Please know that I was not late on the mentioned accounts here.. I wonder why credit bureaus report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for meXXXX 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
Consumer complaint received 2019-05-31 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX, XXXX ( Original Creditor : 11 XXXX ) XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX, XXXX ( Original Creditor : 11 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 2019-05-31 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX, XXXX ( Original Creditor : 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 2019-05-31 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: AZ

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX ; XXXX XXXX XXXX   XXXX  ( Original Creditor : XXXX XXXXT ) XXXX ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX Bankruptcy 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 2019-05-31 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: AZ

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** Bankruptcy 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 2019-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX had a collection account being reported on my credit report. I disputed it and it was removed, after months passed another company is reporting the same account in my report. This information is false and it should be removed from my credit report. I am trying to purchase a home and this situation keeps affecting my chances.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I have written a letter years ago claiming I know nothing about the XXXX card, when I found out about a credit card debt. I wad advices by the store manager to write a letter to remove the information from my account. 2yrs later, its still reflective. i found the number affiliated to th3 debt collection and was told to write a letter so they could discharge it which was this year XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AC AutoPay LLC, Denver, CO Branch
State: FL

Complaint narrative:
During the month of XX/XX/2017 on the way back from my monthly XXXX XXXX drill my motorcycle was stolen. I called my insurance company to file a claim and called my financial lender for the loan and let them know that the motorcycle was stolen. There was an investigation done by XXXX county sheriff and the outcome was the bike was uh unable to be recovered. The motorcycle was installed with a XXXX device which was part of the loan agreement when it was financed. To my surprised the XXXX that I was charged for was never activated and thus made the probability of locating the motorcycle nearly impossible replied the detective handling the case. I went through financial hardship paying for transportation because I no longer had a vehicle to take me to work, school etc. It took nearly 4 months for this company to receive a check from my insurance company due to extremely poor customer service. There was a total of 4 checks mail to the my financial lender finally paying the complete remaining balance of the loan. I wrote a good will letter explaining my hardship that I was struggling not having a vehicle and no leniency was given. During this process of my motorcycle being stolen cause you not able to make payments. My account was reported late to the credit bureau causing my credit score to decrease dramatically.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: U.S. BANCORP
State: NY

Complaint narrative:
I have tried to call XXXX XXXX US bank. Which.at first the loan was at XXXX XXXX bank. Now I have proof of fraud. Between us bank and XXXX XXXX and the dealer. XXXX XXXX sent a long letter. .I went to XXXX XXXX Friday XXXX..signed.a loan while the car was still in lease. XXXX.went back the next day. XXXX..to say I can't afford the loan right now I'm going to lease the car for 6 months but I want the car. .he said no so I was wondering why as I looked through the loan paperwork I realized he sold me the car at the price it originally was. XXXX. .and intrest.from us bank XXXX..at a  XXXX. that's.because he was frauding.me. .because XXXX  XXXX who originally.had the loan who I spoke too told me if you can't afford the loan we will not give the loan. ..so I called the dealer to explain again that XXXX XXXX will not except loan. And that I wextended the lease and signed the extension lease and payed. AND XXXX XXXX told me they won't except the loan. .they cashed my check and the loan. .I have apaperwork from XXXX XXXX. .very devastating for us bank and XXXX  XXXX and the dealership. .I WILL BE WRITING THE ATTORNEY GENERAL. XXXX..XXXX. ..THESE.COMPANIES MUST HAVE ACCOUNTIABILITIES.FOR THERE ACTIONS. THEY MUST BE INVESTIGATED TO THE FULLEST EXTENT OF THE LAW. .THIS IS A PRACTICE THEY HAVE BEEN WORKING TOGETHER FOR A LONG TIME. ALL THERE RECORDS MUST BE PULLED

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 2019-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
There are a few inquiries that were placed on my credit report on Different dates by Comenity bank from COMENITYCAPITAL/XXXX  that has an inquiry date of XX/XX/XXXX and COMENITYCAPITAL/HSN that has an inquiry date of XX/XX/XXXX, I sent the company a dispute letter asking them to verify the inquiries because I did not authorize the company or anyone to submit any application. All the company sent me was a copy of the applications they claim that I submitted. What I received from the company is not enough to validate these inquiries. I received the copy of the application on XX/XX/XXXX, these applications were submitted fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
CrossCountry Mortgage recruiting mortgage loan officers advertising tne loan officer can make more money per product. Ie fha/va/conventional. This is an anti consumer promotion. Lenders have been restricted from selling this way.

I do not believe their policies of compensation are in compliance based upon their leading ads. 

XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I had credit card from Bank of America which i have paid fully already long time ago but this account is not being deleted from my credit reports, i kindly ask BoFA memebrs to remove this account from all credit reporting agencies. 

Account number is 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 2019-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
On XX/XX/2019 I called Louisiana Recovery Services @ ( XXXX ) XXXX. So that I could settle what collections that I had with them. XXXX Card Purchase XX/XX/2019 Louisiana Recovery Service XXXX and cleared my account on XX/XX/2019. The company representative I spoke too said that for an additional XXXX dollar fee, they would send me a receipt and remove the debt like it had never been on my history. They sent me an email with the form attached. ( I'm attaching the form to this dispute ). I did not pay the extra XXXX dollar fee. It felt, to me like something that could fall under UDAAP, as an abusive act. The elderly and people who have sub par credit would more feel obliged to pay that amount over the debt I checked my credit-wise account once a week until XX/XX/2019 and when it still was showing owed, I called the company back.The company representative that I spoke too was adamant that it was not on my credit report. And said that the only way I could get a receipt was to pay the additional XXXX dollars using the emailed form. I told him that it may be a possible UDAAP violation, " Oh no, we offer it to everyone. '' I paid two other outstanding debts with two other companies that same day. One emailed me a receipt and the other sent me a receipt through the XXXX XXXX, with no additional charges. And those paid debts have been noted on my credit. 
This morning, XX/XX/2019 I pulled my free annual credit report and they are still 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