vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Hello, I had a past credit card with XXXX XXXX that was opened on XX/XX/XXXX. The account was settled for {$270.00} and closed on XX/XX/XXXX. 

Since then XXXX XXXX still has the account on my Credit Report with Negative marks each month for non-payment and showing a balance of {$370.00}. This has had a negative impact on my credit score for years. 

It has made my rates on car purchases, and even my mortgage be higher than it should be. 

I have disputed this account with the different credit report companies such as Transunion ( still open dispute since XX/XX/XXXX ), and with XXXX. They have been unable, or unwilling to remove this false information. It looks like MANY unpaid payments, late payments, high balance, etc when in fact the account was settled to {$0.00}. 

I also have contacted XXXX XXXX multiple times. They show I made the settlement payment on XX/XX/XXXX and they still have not fixed this issue on my credit report. 

At this point who knows the damage this long standing error is causing. I have contacted XXXX XXXX again today and was told the same information. They refused to send me a copy of the payment receipt and said they could not until after they do another dispute review, I will contact my bank to get a copy.

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 2019-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MI

Complaint narrative:
Nelnet has several late payments on my accounts. My accounts have been in good standing for many years because I have either done a deferment or forebearance on them over the years. In XX/XX/2018  Nelnet has late payments on all of my accounts with them due to some communication issues. I have attempted two times to rectify the situation with them by disputing with the credit bureaus, but they have not fixed the error. I would like these items updated the information on all of my Nelnet accounts including the recently closed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have been recently discharged in Bankruptcy Court of XXXX Tennessee Docket XXXX. all other credit reporting have removed the accounts as being reported except Transunion

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 2019-01-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Capital One keeps reporting falsified information to the the major credit bureau and/or bureaus. I continue to asked Capital One ( by certified mail ) to provide me with a copy of any documents bearing my signature. I also requested that Capital One to validate this falsified information.i have disputed with the major credit bureaus and comes back verified. How can something be verified if i didn't know it exist. I am contacting you to see if you can validate this account and if so provide me with any documents bearing my signature that they say had and hard for them to provide me with. It say on my credit report that Capital One provided them with an update XX/XX/2019 stating that i owe {$650.00} and that {$670.00} was charged off. Thank you in advance for your time! 

P.S Please look into this matter and not over this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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: EQUIFAX, INC.
State: KY

Complaint narrative:
Hello, I had a past credit card with XXXX XXXX that was opened on XX/XX/XXXX. The account was settled for {$270.00} and closed on XX/XX/XXXX. 

Since then XXXX XXXX still has the account on my Credit Report with Negative marks each month for non-payment and showing a balance of {$370.00}. This has had a negative impact on my credit score for years. 

It has made my rates on car purchases, and even my mortgage be higher than it should be. 

I have disputed this account with the different credit report companies such as XXXX ( still open dispute since XX/XX/XXXX ), and with Equifax. They have been unable, or unwilling to remove this false information. It looks like MANY unpaid payments, late payments, high balance, etc when in fact the account was settled to {$0.00}. 

I also have contacted XXXX XXXX multiple times. They show I made the settlement payment on XX/XX/XXXX and they still have not fixed this issue on my credit report. 

At this point who knows the damage this long standing error is causing. I have contacted XXXX XXXX again today and was told the same information. They refused to send me a copy of the payment receipt and said they could not until after they do another dispute review, I will contact my bank to get a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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: MI

Complaint narrative:
I have sent 3 letters to XXXX  and Experian requesting that they properly verify and conduct a reasonable investigation of a collection account on my report. They have stated that it was verified, but I have not received anything that proves the account is mine or that it is complete and accurate. I also requested validation from the collection agency ( XXXX XXXX ), they failed to properly validate the debt. 
I sent the same request to XXXX and they removed it because they could not properly verify the debt. I am requesting that the information be removed per the Fair Credit Reporting Act. If this is not removed I will pursue litigation.

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 2019-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
XXXX XXXX XXXX does not report payments that I pay. I check monthly and they get the money when I check it's all ways some excuse told to me some 3 Rd party credits the account. It's all ways some story to the payment. I don't get no phone call back after they say there going to look in to it. I fax the copies of payments every month it's they did ot get it. but when I check the bank or the XXXX XXXX  they had the money and cash it. There is nothing but the run around with XXXX XXXX. on my credit file there has not been no payment reported for the last 5 months up to XX/XX/XXXX. I have all my copies as well as proof they cashed the checks. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which makes no sense to why XXXX XXXX Cashed the checks but not reporting my payments. I fax time after time proof but no return call. Nor a letter as stated by the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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: MI

Complaint narrative:
I have sent 3 letters to Transunion and XXXX requesting that they properly verify and conduct a reasonable investigation of a collection account on my report. They have stated that it was verified, but I have not received anything that proves the account is mine or that it is complete and accurate. I also requested validation from the collection agency ( XXXX XXXX ), they  failed to properly validate the debt. 
I sent the same request to XXXX and they removed it because they could not properly verify the debt. I am requesting that the information be removed per the Fair Credit Reporting Act. If this is not removed I will pursue litigation.

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 2019-01-24 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: AMCOL Systems, Inc.
State: AZ

Complaint narrative:
AMCOL Systems Inc is reporting on all three of my credit bureaus as three different accounts with different amounts. The accounts that are showing are {$1300.00} on XX/XX/XXXX, {$1200.00} on XX/XX/XXXX, and {$210.00} on XX/XX/XXXX. All of these were for the same visit not on the dates being reported. The services were either for myself or my son. In addition, I had medical insurance through the state of Arizona and these claims should have been filed through medical insurance. I called this company XX/XX/XXXX and advised them that I had state health insurance at the time of the visit. Their response was " because the date of service is more than 1 year ago they are unable to file the claim with the insurance. '' I told them that I was not responsible for this debt and they need to file the claim with the state health insurance or they should have at the time of service. At the time of service, I presented my insurance card and they took a copy of it in addition to filling out the paperwork with all of my insurance information on it. They are refusing to remove these accounts and file a claim with the insurance. This company is not easy to work with and their representatives who answer the phone are rude. I have enclosed a copy of mine and my son 's medical health insurance card that I had at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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: WI

Complaint narrative:
XXXX XXXX keeps reporting falsified information to the the major credit bureau and/or bureaus. I continue to asked XXXX XXXX ( by certified mail ) to provide me with a copy of any documents bearing my signature. I also requested that XXXX XXXX to validate this falsified information.i have disputed with the major credit bureaus and comes back verified. How can something be verified if i didn't know it exist. I am contacting you to see if you can validate this account and if so provide me with any documents bearing my signature that they say had and hard for them to provide me with. It say on my credit report that XXXX XXXX provided them with an update XX/XX/2019 stating that i owe {$650.00} and that {$670.00} was charged off. Thank you in advance for your time! 

P.S Please look into this matter and not over this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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: WI

Complaint narrative:
XXXX XXXX keeps reporting falsified information to the the major credit bureau and/or bureaus. I continue to asked XXXX XXXX ( by certified mail ) to provide me with a copy of any documents bearing my signature. I also requested that XXXX XXXX to validate this falsified information.i have disputed with the major credit bureaus and comes back verified. How can something be verified if i didn't know it exist. I am contacting you to see if you can validate this account and if so provide me with any documents bearing my signature that they say had and hard for them to provide me with. It say on my credit report that XXXX XXXX provided them with an update XX/XX/2019 stating that i owe {$650.00} and that {$670.00} was charged off. Thank you in advance for your time! 

P.S Please look into this matter and not over this matter.

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 2019-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Experian informed me that the United State Bankruptcy court provided them an/or reported my information to them in which I wrote the court to find out there procedure for verifying record with the credit reporting agencies. Experian still states that its been reported through XXXX XXXX or what they call a third party. Please look into this matter and not over this matter. Have a blessed day and thank you in advance for your time.

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 2019-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XXXX   informed me that the United State Bankruptcy court provided them an/or reported my information to them in which I wrote the court to find out there procedure for verifying record with the credit reporting agencies. XXXX  still states that its been reported through XXXX XXXX  or what they call a third party. Please look into this matter and not over this matter. Have a blessed day and thank you in advance for your time.

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 2019-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Credit Karma, LLC
State: WI

Complaint narrative:
XXXX  informed me that the United State Bankruptcy court provided them an/or reported my information to them in which I wrote the court to find out there procedure for verifying record with the credit reporting agencies. XXXX  still states that its been reported through XXXX XXXX or what they call a third party. Please look into this matter and not over this matter. Have a blessed day and thank you in advance for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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: TX

Complaint narrative:
I am writing to dispute a fraudulent charge on my account of {$140000.00}, {$210000.00}, {$27000.00}, {$7000.00}, {$15000.00}, {$20000.00}, {$2000.00}, {$7300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1.  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$140000.00} -This is not my account. 
2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with  a credit limit of {$210000.00} -This is not my account. 
3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$27000.00} -This is not my account. 
4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7000.00} -This is not my account. 
6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 
7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22000.00} -This is not my account. 
8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 
COLLECTON ACCOUNT 9. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7300.00} -This is not my 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 2019-01-24 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: EQUIFAX, INC.
State: NE

Complaint narrative:
There are two accounts on my Equifax report which are aged at 7 years and 5 months. Equifax claimed they deleted the accounts for being 7 years back in XX/XX/XXXX according to my XXXX XXXX print out, but the accounts still remain. I reminded Equifax two different times that they promised deletion yet the accounts still remain. These two accounts were closed and eventually sold to a collection agency, this makes for four accounts showing on my report for two loans ( 2 were closed and 2 were their collections ). The original accounts were deleted from Equifax, but the two collection agency accounts are still there. XXXX  deleted all accounts affiliated in XX/XX/2018. And XXXX  deleted all accounts affiliated in XX/XX/2018. My records show deletion of all accounts to be legal as of XX/XX/2018. So Equifax is keeping these two collection accounts on my report without myself, XXXX  or XXXX  agreeing with their records. I asked them to send their unique records to me showing that the accounts are under 7 years, but they ignored me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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: TX

Complaint narrative:
I am writing to dispute a fraudulent charge on my account of {$140000.00}, {$210000.00}, {$27000.00}, {$7000.00}, {$15000.00}, {$20000.00}, {$2000.00}, {$7300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1.  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$140000.00} -This is not my account. 
2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$210000.00} -This is not my account. 
3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$27000.00} -This is not my account. 
4. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7000.00} -This is not my account. 
6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 
7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22000.00} -This is not my account. 
8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 
XXXX XXXX  9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I APPLIED FOR AN SYNCB/XXXX STORE CREDIT CARD ON XX/XX/2019. I WAS UNDER THE IMPRESSION THAT THIS WAS A PRE-APPROVED SOFT INQUIRY CREDIT APPLICATION. WHEN I REALIZED THAT IT WAS A HARD INQUIRY AND THAT I WAS NOT IMPROVED, I ALSO RECEIVED AN ALERT FROM MY XXXX   XXXX ACCOUNT AND LEARNED THAT THIS EFFECTED MY CREDIT SCORE THAT I AM WORKING REALLY HARD TO IMPROVE. I DID TRY TO CALL A NUMBER PROVIDED FOR THE CARD COMPANY, BUT UNFORTUNATELY THE NICE LADY SAID IT WAS ALREADY OUT OF THEIR CONTROL. I WOULD NOT HAVE APPLIED IF I THOUGHT I WASN'T PRE-APPROVED. MY GOAL WAS TO HELP BUILD UP MY CREDIT SCORE BY MAKING PAYMENTS ON TIME WHILE ALSO PURCHASING A GIFT. I HAVE ALSO HAD A SIMILAR PROBLEM WITH AN ONLINE STORE/AUCTION SITE THAT I DID NOT REALIZE I HAD UNTIL CHECKING ON THIS SITUATION. I WOULD REALLY APPRECIATE ANY HELP THAT I CAN GET TO NOT LOWER MY CREDIT SCORE WITH THIS CONFUSING MISHAP. THANK YOU VERY MUCH!

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 2019-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: MD

Complaint narrative:
The account that is being reported on my credit reports are a result of identity theft Discover Financial Services is claiming that I owe {$4700.00} as of XX/XX/2019. I previously sent them documentation that included an approved police report and an FTC report showing that this was a result of identity theft.

Company response to consumer: Closed with non-monetary relief