vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-26 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: IL

Complaint narrative:
I just received another can letter from Experian and XXXX  stating that they already verified the account listed below. But they never sent me any verification on this matter. 
This account is not mine. I WENT TO THE COURT FOR VERIFICATION OF INFORMATION BELLOW. YOU CAN SEE THE LETTER I HAVE GOT FROM THE COURT, its been attached to this letter. 
Chapter XXXX Bankruptcy Case Number : XXXX This account was not verified in court. VERIFICATION means COFIRMING SOMETHING TO BE TRUE. THE ACCOUNT YOU HAVE BEEN LISTED ON MY REPORT WAS NOT VERIFIED. According to FCRA it is clear violation.

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 2019-09-26 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: VA

Complaint narrative:
I attempted to disputed this item w/ TransUnion using 3 different computers. Each time the page froze, deleted my information, logged me out or did not give me the option to submit the complaint. 

XXXX XXXX XXXX XXXX reports that I was 30 days or 60 days late throughout the term of my loan. This is inaccurate, they regularly reported that it was 30 days late when it was no more that 7 days late. Please also note that they have me at 60 days late in XXXX of 2015, while XX/XX/2015 shows that I was on time, rather than 30 days late. This shows their inaccurate reporting. None of these payments were ever later that 7 days late.

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 2019-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: TX

Complaint narrative:
Received obvious fraudulent email. I have never been issued a Discover credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
These accounts were found on my report after checking it after a couple of years and are fraudulent accounts. 


01 NETCREDIT XXXX XX/XX/2017 2017

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I got a copy of my credit report and wanted to dispute some accounts. I sent a letter to XXXX  disputing the bankruptcies on my report on XX/XX/2019. I was disputing them according to Section 609 ( a ) ( 1 ) ( A ) -XXXX is required by law to verify through the physical verification of the original signed consumer contract- any and all accounts they post on a credit report. They failed to provide Verifiable Proof ( as original Consumer Contract with my Signature on it ) Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed on the dispute. 

I received a response from XXXX on XX/XX/2019 stating that they verified all accounts and the items is being reporting correctly.. I did not agree so I sent a second letter to XXXX on XX/XX/2019 requesting they show proof, because they had not provided me a copy of ANY original documentations required under Section 609 ( a ) ( 1 ) ( A ) &  Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I got no response from them. So I sent them no response letter on XX/XX/2019 because it has been more than 30 days and I had not received a response. I received delivery confirmation that XXXX  received my letter on XX/XX/2019. In accordance with s.1629 ( 8 ) of the debt collection practices act, which clearly states that any information known to be false, can not be reported to any credit bureau. I requested that they immediately delete the disputed information from my credit report. 
I got a response on XX/XX/2019 from XXXX. They had removed only ONE of the bankruptcies off my credit report. I did not understand why only ONE of the bankruptcies was removed from report. SO I sent another letter to XXXX on XX/XX/2019 disputing this bankruptcy. I am now filing a complaint because XXXX should follow the law when reporting to items to people credit reports. I would like items to taken off my account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-26 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I just received another can letter from XXXX and Equifax stating that they already verified the account listed below. But they never sent me any verification on this matter. 
This account is not mine. I WENT TO THE COURT FOR VERIFICATION OF INFORMATION BELLOW. YOU CAN SEE THE LETTER I HAVE GOT FROM THE COURT, its been attached to this letter. 
Chapter XXXX Bankruptcy Case Number : XXXX This account was not verified in court. VERIFICATION means COFIRMING SOMETHING TO BE TRUE. THE ACCOUNT YOU HAVE BEEN LISTED ON MY REPORT WAS NOT VERIFIED. According to FCRA it is clear violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm writtining You to dispute old accounts on my credit report. 
By law, credit bureaus are only allowed to list negative items for a certain amount of time. For most negative information, the time limit is only seven years ( or seven years + 180 days for a charge-off ).

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 2019-09-26 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: FL

Complaint narrative:
I'm writtining You to dispute old accounts on my credit report. 
By law, credit bureaus are only allowed to list negative items for a certain amount of time. For most negative information, the time limit is only seven years ( or seven years + 180 days for a charge-off ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX2019 I picked up a bank of America letter/ package that was a response to the cfpb complaint I submitted. The package/did not have a bank of America letter of response to my cfpb complaint as stated to the cfpb that they were not going to send it thru the cfpb due to privacy issues BUT IT DID ENCLOSE the attached information letter regarding a insurance policy thru XXXX XXXX XXXX XXXX XXXX Main street FOR XXXX and XXXX XXXX XXXX NC It stated special homeowners policy. 
So here is my response attached that would not go thru dated XX/XX/XXXX2019 to bank of America screenshots of what I wrote. 
This again is combining my personal info with other unauthorized persons by Bank Of America. I request a response from Bank of America regulatory XXXX XXXX XXXX XXXX XXXX to explain to me why they would do this to me again. I am also making a monetary award of XXXX milkion dollars under the Gramm Bliley act of 1999 for Bank Of Americas failure to protect both my monies and my personal information. I reserve my legal rights in this matter. 
XXXX XXXX XX/XX/XXXX 2019 2019

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 2019-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A double payment from my chase debt cart to chase credit card posted. They wont refund only put in a request and will be 3-5 days before refunded. That money was for from now until Tuesday when I get paid and that required me to pay them {$30.00} fee to stop a pending bill payment to another payee so I atleast have {$200.00} at midnight

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: OH

Complaint narrative:
I have a account from a unknown company that I have never done business with AARGON COLLECTION AGENY # XXXX Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE and allonge in Cook County. This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note or Allonge. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course. 
If you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your claim under U.C.C. - ARTICLE 3 3-301.

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 2019-09-26 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: KY

Complaint narrative:
After doing several disputes with Experian, and XXXX  I am still not getting the investigation that I asked for. By the credit bureaus not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to all of the Bureaus and the Creditor asking for validation. The information was completely ignored from creditor XXXX. Both Experian and XXXX failed to do an investigation before reporting false information. XXXX failed to respond several letters. The Reporting address on file is not and never was my permanent address XXXX XXXX XXXX XXXX XXXX Kentucky XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-26 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: NJ

Complaint narrative:
THE DISPUTED ACCOUNT DOES NOT BELONG TO ME ; I HAD NO KNOWLEDGE OF THIS ACCOUNT THAT APPEARED ON MY CREDIT. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNT REMOVED OFF MY CREDIT FILE. BECAUSE OF THIS NEGATIVE MARK, IT IS NOW HARD TO APPLY FOR NEW CREDIT. SO PLEASE HAVE THIS DEROGATORY REMOVE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: WA

Complaint narrative:
After I moved out from XXXX XXXX in XXXX, FL, I paid all the monies I owed them, including the alleged amount they reported to the Credit Reporting Agencies ( XXXX, XXXX and XXXX ) for the amount of {$420.00}. I have sent multiple letters on this matter to the apartment complex company and the credit reporting agencies and have fallen on deaf ears. I included on my communications a screen shot from my bank account in which clearly anyone can see that I have paid the alleged owed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I originally filed a complaint regarding fraudulent practices conducted by USAA Federal Savings Bank. I received nothing more than a generic response from them. Now I have to file a small claims suit against them. I will obviously receive judgment in favor because attorney 's are prohibited from small claims court and I highly doubt the CEO will show up. Even if the CEO did show, I'd still receive judgment without much effort. Consumer beware.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
After doing several disputes with XXXX, and Transunion. I am still not getting the investigation that I asked for. By the credit bureaus not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to all of the Bureaus and the Creditor asking for validation. The information was completely ignored from creditor XXXX. Both XXXX  and Transunion failed to do an investigation before reporting false information. XXXX failed to respond several letters. The Reporting address on file is not and never was my permanent address XXXX XXXX XXXX XXXX XXXX Kentucky 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 2019-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
KINGS CREDIT SERVICE ACCOUNT NUMBER XXXX WAS PLACED ON MY CREDIT REPORT AND HAD BEEN PAID BY MY INSURANCE COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: MA

Complaint narrative:
Experian has my fathers name down as one of my names. I believe this might be the reason for there being accounts I have not opened on my credit report. When I try disputing the name on the website it instructs me to call the phone number " XXXX ''. When I do I am unable to get through any prompts or talk to anyone. This has been going on for months now and it has caused me many hardships. I am in need of working on my credit report and I need to get this fixed. I have tried writing in but I still have no gotten a response. If I can't dispute the name online and I can't call in, what am I to do? I have already written in.

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 2019-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Phoenix Financial sent a letter on a debt this is a Medical debt that is dated XX/XX/XXXX. This debt was paid. I requested a debt validation and a copy of the bill and HIPPA Release form that gives Phoenix Financial the right to my Medical Billing information. They refuse to supply HIPPA information but sent the bill. The problem is their are multiple dates on this bill. A service date of XX/XX/XXXX and a bill date of XX/XX/XXXX this is not correct. This bill shows a current Patient Responsibility of ( XXXX ). It also, states in bill the amount you Owe is ( XXXX ). This Bill was paid. If you look at the bill it says charges of XXXX. Payments or Adjustment XXXX and amount owed XXXX. Even when you look at the bottom of the bill it say Pay XXXX. Phoenix is trying to collect on a debt that is paid. In Addition, Phoenix is not following the FCRA or FDCPA by re-aging this bill to extend the reporting time to the credit bureaus. I sent in a copy of my XXXX XXXX stating this bill will report until XX/XX/XXXX. If this was a valid Debt is should report starting from the delinquency date. Not the date they place on my credit report. I contacted the XXXX XXXX XXXX and they stayed there is NO DEBT Owed for a Service in my name. This entry is damaging our credit report. Please investigate me and my husband are retired on a fixed income. We don't have the money to pay for a debt that is paid. Thank you sincerely retired and need help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Due to privacy concern, I will not disclose my legal full name, my credit card account number, my home address, and my social security in the report unless CFBP and Chase ask for it. 

I was trying to dispute with Chase about unauthorized purchase ( merchant name is XXXX XXXX with the amount of {$35.00} on XX/XX/, 2019. 

I made a dispute online on XX/XX/, 2019 with Chase. 

As of today XX/XX/, 2019, Chase has not placed a temporary fund {$35.00} to my credit card while Chase investigating my dispute. 

I tried to contact Chase via XXXX on XX/XX/, 2019 for asking temporary refund and Customer Service Rep refused to do it. 

I tried to contact Chase again on XXXX XXXX, 2019 at XXXX and Customer Service Rep refused again to place temporary refund to my credit card. 

I tried to contact Chase again on XX/XX/, 2019 at XXXX and Customer Service Rep refused again to place temporary refund to my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: MO

Complaint narrative:
XX/XX//2017 I started an application to file bankruptcy but never completed the application process. Therefore the court dismissed XX/XX//2017. 

XXXX XXXX has failed to report my payments since to the three credit bureaus, thereby causing me not to be able to qualify for refinancing. I have paid all my payments to the on time monthly. However they did not report my payments to the credit bureaus. 

I did not know they were not reporting my payments to the credit bureau until I applied to refinance my home, and the perspective lender advised me the payments were not showing up on the credit reports and were hurting my score and ability to get a loan. 

I called XXXX XXXX and disputed with the credit bureaus repeatedly without their taking any action to help me. 

XXXXXXXX XXXX account # XXXX Balance approximately {$6000.00} Home Equity line of credit

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 2019-09-26 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: MO

Complaint narrative:
XX/XX//2017 I started an application to file bankruptcy but never completed the application process. Therefore the court dismissed XX/XX//2017. 

XXXX XXXX has failed to report my payments since to the three credit bureaus, thereby causing me not to be able to qualify for refinancing. I have paid all my payments to the on time monthly. However they did not report my payments to the credit bureaus. 

I did not know they were not reporting my payments to the credit bureau until I applied to refinance my home, and the perspective lender advised me the payments were not showing up on the credit reports and were hurting my score and ability to get a loan. 

I called XXXX XXXX  and disputed with the credit bureaus repeatedly without their taking any action to help me. 

XXXX XXXX account # XXXX Balance approximately {$6000.00} Home Equity line of credit

Company response to consumer: Closed with explanation