vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I contacted Experian by certified mail on XX/XX/XXXX, and XX/XX/XXXX to correct personal information errors on my credit report. I also included a copy of my state id, social security card, and utility bill all containing my correct address, and name XXXX XXXX XXXX XXXX on each document. I have attached a copy of the letter along with a copy of my state identification to prove my correct address and name with this complaint. Upon viewing my report I noticed incorrect addresses on my report XXXX XXXX XXXX XXXX, TX XXXX and also XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I have made 2 written requests to have the inaccurate addresses removed. Experian has not removed them or provided a reason why they were not removed. The only reply I received stated that Experian stores information provided by credit grantors or public information sources. The response is very vague and provide no valid reason why they have not updated my file with the correct information I provided. Also there are incorrect names listed on the report also. I have never gone by or been known as XXXX XXXX or XXXX XXXX XXXX XXXX Or any variation of my legal name. I suspect Experian is using these incorrect names and addresses to justify reporting incorrect debt on my credit report. They are stating XXXX XXXX and XXXX XXXX have been " verified '' But I have received documentation from XXXX XXXX and the personal information does not match my correct identification. However the address and the names do match the incorrect address and name being reported by Experian. I have attach a copy of the personal information page from the report I received highlighting Experian 's response as well as the incorrect personal info. I go by XXXX XXXX XXXX XXXX and my correct address is XXXX XXXX XXXX # XXXX XXXX, TX XXXX I have provided proof of that to Experian as well as attached it to this complaint.

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 2018-09-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: MD

Complaint narrative:
XXXX - complaint # The feedback I received on my initial complaint was that the collection agency submitted documantation to me by mail and thats not correct. I havent received anything to date. I want this matter resolved or Ill have to take other legal measures. The amount thats trying to be collected is the wrong amount and I have no intension on paying it at anytime. XXXX stayed before my current address is included in this complaint and I havent received anything. This is a stall tactic and the clock is ticking.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I am in receipt of a letter from Sequium Assets, XXXX XXXX XXXX, # XXXX, XXXX, Ga XXXX stating that I owe {$8.00} to XXXX. Please note, XXXX has sent no bills to me regarding this. I signed up for their service and cancelled within their no penalty cancellation policy after a few days. My credit card was never charged and XXXX has had full access to it. Not a valid debt and no evidence or supporting documents have been provided. Their number is XXXX. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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 have included a letter to each of the 3 major bureaus involved in this complaint. They have all been complicit with the companies reporting in my credit files in violating law by not providing me with verified PROOF of the accounts validity. I have been monitoring my credit for months now and Equifax, XXXX, and XXXX have simply taken companies words that the accounts are supposedly mine, verified, and valid instead of providing signed proof that they are. This opens the floodgates to false accounts just sitting on peoples credit reports! Reps from these bureaus will even tell you that they arent required to give proof, as if that makes sense. Seriously? That is completely absurd. Essentially, Equifax, XXXX, and XXXX   are all claiming that truly unverified, invalidated accounts are " valid '', " reporting correctly '', " mine '', and " verified ''. Under the FCRA, they are supposed to validate these accounts with original consumer contracts bearing my actual signature. They have not done that -- and remember, it has been MONTHS of them refusing to do their due diligence. By the way, there is an account that I have made note of in the attached letters that is reporting twice under two different namesXXXX XXXX ( who illegally put a false judgment on my public record ) and XXXX XXXX XXXX. Complaints will also be filed against these two as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20 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: CA

Complaint narrative:
Equifax has been non-compliant with removing the unverified account Bankruptcy : Discharged CHXXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX   have both completed their research and determined that Bankruptcy : Discharged CHXXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

I spoke with XXXX XXXX and they stated the dispute comments would be removed. I am not disputing this account. They sent an electronic request to you all to have the dispute comments removed. The confirmation # for this request 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 non-monetary relief
Consumer complaint received 2018-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a Countrywide victim. My mortgage was acquired by Bank of America as a result of the financial crash of XX/XX/2008. XXXX XXXX XXXX XXXX purchased my mortgage from Bank of America. Now Bank of America is the servicer for my mortgage on behalf of XXXX XXXX XXXX XXXX. I submitted an application for loan modification to Bank of America. Bank of America is demanding financial documents that do not exist and they refuse to accept financial documents that provide the same financial information, but are in a different format. For example, they are requiring that the document contain the word " statement '' and have a " beginning '' and " ending '' date and that the document must be issued monthly or quarterly. Some financial institutions do not issue monthly or quarterly " statements '' and instead issue a " transaction history '' which contains the same information. Bank of America told me to get letters from the financial institutions explaining that the financial institutions do not create the type of financial documents that Bank of America is demanding, but that other documents which provide the same information do exist. I obtained the letters and submitted them to Bank of America, but then Bank of America refused to consider them. Also, Bank of America keeps claiming that I did not submit documents when I did submit them and I can see those documents on their website. Also, XXXX XXXX XXXX spoke with Bank of America on one occasion, but then Bank of America said that they will no longer speak with XXXX even with written authorization from me. Therefore, Bank of America is not allowing XXXX to fully assist me. Bank of America also sent me a letter telling me that they are no longer " actively '' considering my application because I refused to submit the documents that they demanded, but also said that the application is still " pending '', and that they can still seek foreclosure if necessary. This constitutes " dual tracking '' and is illegal. They also told me that if I still want to have them consider a loan modification, then I would have to submit a " new '' application even though they did not make a decision on the first application. They also took away my " point of contact '' at Bank of America. They also cut off my online access to my application and informed me that they have " exited '' me from the system. Bank of America is claiming that XXXX XXXX XXXX XXXX is the one who is making the decisions, not Bank of America. Bank of America will not allow me to speak to the Underwriter. All of their conduct prevents me from taking an appeal of a denial and enables them to claim that they did not " deny '' my application.

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 2018-09-20 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: MO

Complaint narrative:
The following accounts do not belong to me : XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX # XXXX account number unlisted Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX Unverified 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 non-monetary relief
Consumer complaint received 2018-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

I spoke with XXXX XXXX and they stated the dispute comments would be removed. I am not disputing this account. They sent an electronic request to you all to have the dispute comments removed. The confirmation # for this request is # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

I spoke with XXXX XXXX and they stated the dispute comments would be removed. I am not disputing this account. They sent an electronic request to you all to have the dispute comments removed. The confirmation # for this request 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 2018-09-20 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: MO

Complaint narrative:
The following accounts do not belong to me : XXXX XXXX XXXX   XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX # XXXX account number unlisted Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified 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 explanation
Consumer complaint received 2018-09-20 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: MO

Complaint narrative:
The following accounts do not belong to me : XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX # XXXX account number unlisted Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX Unverified Account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20 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 have included a letter to each of the 3 major bureaus involved in this complaint. They have all been complicit with the companies reporting in my credit files in violating law by not providing me with verified PROOF of the accounts validity. I have been monitoring my credit for months now and XXXX, TransUnion, and XXXX have simply taken companies words that the accounts are supposedly mine, verified, and valid instead of providing signed proof that they are. This opens the floodgates to false accounts just sitting on peoples credit reports! Reps from these bureaus will even tell you that they arent required to give proof, as if that makes sense. Seriously? That is completely absurd. Essentially, XXXX, XXXX, and TransUnion are all claiming that truly unverified, invalidated accounts are " valid '', " reporting correctly '', " mine '', and " verified ''. Under the FCRA, they are supposed to validate these accounts with original consumer contracts bearing my actual signature. They have not done that -- and remember, it has been MONTHS of them refusing to do their due diligence. By the way, there is an account that I have made note of in the attached letters that is reporting twice under two different namesXXXX XXXX ( who illegally put a false judgment on my public record ) and XXXX XXXX XXXX. Complaints will also be filed against these two as well.

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 2018-09-20 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 have included a letter to each of the 3 major bureaus involved in this complaint. They have all been complicit with the companies reporting in my credit files in violating law by not providing me with verified PROOF of the accounts validity. I have been monitoring my credit for months now and XXXX, XXXX, and Experian have simply taken companies words that the accounts are supposedly mine, verified, and valid instead of providing signed proof that they are. This opens the floodgates to false accounts just sitting on peoples credit reports! Reps from these bureaus will even tell you that they arent required to give proof, as if that makes sense. Seriously? That is completely absurd. Essentially, XXXX, Experian, and XXXX are all claiming that truly unverified, invalidated accounts are " valid '', " reporting correctly '', " mine '', and " verified ''. Under the FCRA, they are supposed to validate these accounts with original consumer contracts bearing my actual signature. They have not done that -- and remember, it has been MONTHS of them refusing to do their due diligence. By the way, there is an account that I have made note of in the attached letters that is reporting twice under two different namesXXXX XXXX ( who illegally put a false judgment on my public record ) and XXXX XXXX XXXX. Complaints will also be filed against these two as well.

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 2018-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello, I had my installment loans and late payments deleted by the XXXX XXXX  XXXX XXXX and now my account Is in forbearance. XXXX deleted the XXXX XXXX XXXX   off my report due to the fair credit act. Equafax deleted the XXXX XXXX XXXX off my credit also but now there back on there. I have no current balance open with the XXXX XXXX XXXX nor do i have late payments open because my account is in forbearance. I will submit proof of every thing

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Portfolio Recovery a debt collection agency is reporting a debt that is over 5 years old and needs to be removed. They keep updating and changing the date to make it look newer than it is. XXXX XXXX was for a retail credit card opened up in 2012 and needs to be removed. 

I've been addressing this for over five years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC
State: AL

Complaint narrative:
G.c services is a company that is working on its XXXX I ask them to validate this bill where I sign paperwork they send me a letter stating that they will tell all 3 credit bureaus to delet this off my report and it is still reporting to my report XXXX and XXXX I have the letter from this company proof and they still wont remove it when I call to delet and I sent the letter to the credit bureaus the amount is XXXX open XX/XX/2018 I told them this is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I recently experiencd fraud on my Citi master card and l called and explained my concerns pertaining to the fact that I'm uncertain who committed the fraud. Especially because the transaction occurred a few months ago but l was unaware of it until l received an email indicating l reserved a trip with XXXX XXXX but l didn't. 

I have called Citi card serveral times to get an up date due to my fraud issue and have been given the run around. Then l spoke to a representative today XX/XX/2018 whom l corrected twice when she called me a " MAN '' and l told her I'm a " WOMAN '' lm NOT A " MAN. '' This representative turns around again and called me a man and connected the call by telling the other specialist that lm a man and she proceeds to reference to me as a man as well, which l had to correct her and let her know that I'm a woman. 

I feel that gender discrimination has transpired against me with them continuously calling me a man when l corrected them various times that I'm a woman. UDAAP issues at this point. I need assistance from your company to investigate Citi for blatant discrimination.

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