vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I, XXXX XXXX, a federally protected consumer has attempted to reach out to BANK OF AMERICA to receive credible information to validate and verify the alleged debt. I sent a debt validation and cease & desist on XX/XX/XXXX and have yet to receive the information requested from the company. I do not owe this alleged debt. This company has violated my consumer rights and disregarded my attempts to assess the alleged debt. I have been in contact with the credit reporting since XX/XX/XXXX and I still don't know how or where this debt has been verified. I'm aware that these are both FCRA & FDCPA violations. I need assistance with this matter as soon as possible because I have not been provided with answers from either BANK OF AMERICA or the credit reporting agencies. I also have certified receipts from USPS for the letters I have been sending since 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 2022-02-13 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: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I disputed one of the accounts on my credit ( XXXX ) but they went and disputed the wrong account XXXX XXXXXXXX XXXX XXXX. Now my credit reporting is not showing my XXXX XXXX  credit card, my balance, my payment history or anything else about the account. I contacted them and told them about this but my credit reporting it still not showing any information about my XXXX XXXX  credit card. The account shows correctly on other credit bureaus

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 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i wrote the bureaus, XXXX being the worst, telling them the accounts showing were not mine, this started, in XXXX, 2021. So what XXXX and experian did, they are now reporting, the same account that is not mine, TWICE, i am uploading documments. A year out of my life, time and energy, i '' ll never get back, and this items are still on my report, and ruining my good credit standard in this competitive world. I don't understand how a XXXX XXXX XXXX', corporation, can do things that hurt, harm, american citizens lives, i am a single MOM, struggling through life, and having to fight giant mutiibillion dollar, credit bureaus companies.

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 2022-02-13 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: FL

Complaint narrative:
This credit card account with XXXX XXXX XXXX was canceled upon the credit grantor 's request due to the company no longer servicing secured credit cards. 

I initially placed a security deposit for this secured credit card when I opened this account. Upon notification that XXXX would no longer be servicing secured credit cards, XXXX failed to apply the initial security deposit to the account to settle any balance remaining. 

I paid the balance that has been reported to the credit reporting agencies in full on XX/XX/XXXX and yet as of XX/XX/XXXX it still shows as a charge off to certain credit reporting agencies. This is inaccurate information being reported to different credit reporting agencies and this has affected my creditworthiness due to the inaccuracies being reported. 

Date account opened : XXXX XXXX, XXXX Account number : 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 2022-02-13 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: FL

Complaint narrative:
This credit card account with XXXX XXXX XXXX was canceled upon the credit grantor 's request due to the company no longer servicing secured credit cards. 

I initially placed a security deposit for this secured credit card when I opened this account. Upon notification that XXXX would no longer be servicing secured credit cards, XXXX failed to apply the initial security deposit to the account to settle any balance remaining. 

I paid the balance that has been reported to the credit reporting agencies in full on XX/XX/XXXX and yet as of XX/XX/XXXX it still shows as a charge off to certain credit reporting agencies. This is inaccurate information being reported to different credit reporting agencies and this has affected my creditworthiness due to the inaccuracies being reported. 

Date account opened : XXXX XXXX, XXXX Account number : 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 2022-02-13 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: OH

Complaint narrative:
I XXXX  XXXX XXXX Pursuant to 15 USC 1692c. ( c ) ( 2 ). Am invoking my specified remedy as a consumer, and I demand Experian to obey the law and remove PRIVATE INFORMATION from my consumer credit file. Pursuant to 15 USC 1681 ( a ) ( 4 ). A consumer has a RIGHT to privacy. I have sent proof of this illegal action as well as Exhibits. Govern yourselves accordingly.

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 2022-02-13 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: CA

Complaint narrative:
I need you to investigate the following accounts you claim to be accurate on my credit file 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 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I, XXXX XXXX, a federally protected consumer has attempted to reach out to XXXX  XXXX XXXX to receive credible information to validate and verify the alleged debt. I sent a debt validation and cease & desist on XX/XX/XXXX and have yet to receive the information requested from the company. I do not owe this alleged debt. This company has violated my consumer rights and disregarded my attempts to assess the alleged debt. I have been in contact with the credit reporting since XX/XX/XXXX and I still don't know how or where this debt has been verified. I'm aware that these are both FCRA & FDCPA violations. I need assistance with this matter as soon as possible because I have not been provided with answers from either XXXX  XXXX XXXX or the credit reporting agencies. I also have certified receipts from USPS for the letters I have been sending since 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 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I, XXXX XXXX, a federally protected consumer has attempted to reach out to XXXX XXXX XXXX to receive credible information to validate and verify the alleged debt. I sent a debt validation and cease & desist on XX/XX/XXXX and have yet to receive the information requested from the company. I do not owe this alleged debt. This company has violated my consumer rights and disregarded my attempts to assess the alleged debt. I have been in contact with the credit reporting since XX/XX/XXXX and I still don't know how or where this debt has been verified. I'm aware that these are both FCRA & FDCPA violations. I need assistance with this matter as soon as possible because I have not been provided with answers from either XXXX  XXXX XXXX or the credit reporting agencies. I also have certified receipts from USPS for the letters I have been sending since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I, XXXX XXXX, a federally protected consumer has attempted to reach out to XXXX  XXXX XXXX to receive credible information to validate and verify the alleged debt. I sent a debt validation and cease & desist on XX/XX/XXXX and have yet to receive the information requested from the company. I do not owe this alleged debt. This company has violated my consumer rights and disregarded my attempts to assess the alleged debt. I have been in contact with the credit reporting since XX/XX/XXXX and I still don't know how or where this debt has been verified. I'm aware that these are both FCRA & FDCPA violations. I need assistance with this matter as soon as possible because I have not been provided with answers from either XXXX XXXX XXXX or the credit reporting agencies. I also have certified receipts from USPS for the letters I have been sending since 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 2022-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Vanguard Financial Services, Inc.
State: VA

Complaint narrative:
Very upsetting I work for XXXX and have been suffering mental and physical anguish, our local non profit Medical company XXXX have been sending debt I was unable to pay on to A ) XXXX XXXX services which Is their own company and B ) Vanguard Financiancial services These are counting against my credit score! 
I has a total mental breakdown last XXXX and am under a huge amount of stress from so many directions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 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: NC

Complaint narrative:
I check XXXX XXXX  regularly and noticed that someone pulled my credit for a mortgage. I have no need for a mortgage and this isnt the first time I have seen where someone tried to use my credit and personal information. On my Equifax report, it showed a inquiry for a mortgage. This was back in 2019. Also, there was a credit card I had that had been used without my consent because I didnt authorize anyone to use it. I keep all receipts and monitor my accounts regularly. My identity was stolen after a car accident and a former physicians office and public hospital had something to do with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 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: FL

Complaint narrative:
An online account was created with XXXX and paid upon closure. 

XXXX went as far as to provide a direct deposit for the remaining balance due upon closure. 

This account has been reported inaccurately as a charged off/write off for a bad debt that is invalid in the amount of {$150.00} and I request the formal validation of all tradelines associated with this account via mail.

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 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
An online account was created with XXXX and paid upon closure. 

XXXX went as far as to provide a direct deposit for the remaining balance due upon closure. 

This account has been reported inaccurately as a charged off/write off for a bad debt that is invalid in the amount of {$150.00} and I request the formal validation of all tradelines associated with this account via mail.

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 2022-02-13 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: FL

Complaint narrative:
There is a collection account in the amount of {$490.00} on my Equifax report that does not even have a creditor listed in the creditor field. The collection account in reference shows that it was opened on XX/XX/2021 with an account number of XXXX. 

There is no contact information nor account name for the furnisher of this account therefore I request the removal of this account in its entirety per FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 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: KY

Complaint narrative:
I have sent several disputes in the past to have the account under XXXX XXXX XXXX removed from my credit reports due to being inaccurate. I contacted XXXX XXXX XXXX to dispute the information as well and have yet to receive a response. The latest letter I sent to Experian, XXXX and XXXX to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither Experian, XXXX nor XXXX, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.

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 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I'm being charged for a Student Loan that does not belong to me. And have tried to resolve this matter, than to make things worse with all the research I been doing the company has been running a Scam. I need the student loan to be removed from my credit account from all 3 credit bureau. XXXX, XXXX XXXX XXXX I can't believe that this company has ruined me they have me down on XXXX student loans how could this company do that to me. I need this to be resolved immediately. 

NAVIENT XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX ) {$17000.00} XXXX ) {$9300.00} XXXX ) {$7800.00} XXXX ) {$3400.00} XXXX ) {$3300.00} XXXX ) {$3200.00} XXXX ) {$2100.00} It Totals the Amount of {$47000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have attempted to reach out to Equifax to dispute inaccurate information on my credit report that doesn't belong to me. I have provided Equifax with a copy of my social security card and drivers license to prove my identity. However, although I have provided my actual social security number and license, I am being informed this account belong to me although I have never resided in Maryland.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 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: Chime Financial Inc
State: NC

Complaint narrative:
I check XXXX XXXX regularly and noticed that someone pulled my credit for a mortgage. I have no need for a mortgage and this isnt the first time I have seen where someone tried to use my credit and personal information. On my XXXX report, it showed a inquiry for a mortgage. This was back in XXXX Also, there was a credit card I had that had been used without my consent because I didnt authorize anyone to use it. I keep all receipts and monitor my accounts regularly. My identity was stolen after a car accident and a former physicians office and public hospital had something to do with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 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: KY

Complaint narrative:
I have sent several disputes in the past to have the account under XXXX XXXX XXXX removed from my credit reports due to being inaccurate. I contacted XXXX XXXX XXXX to dispute the information as well and have yet to receive a response. The latest letter I sent to XXXX, TransUnion and XXXX to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither XXXX, TransUnion nor XXXX, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.

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 2022-02-13 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: KY

Complaint narrative:
I have sent several disputes in the past to have the account under XXXX XXXX XXXX removed from my credit reports due to being inaccurate. I contacted XXXX XXXX XXXX to dispute the information as well and have yet to receive a response. The latest letter I sent to XXXX, XXXX and Equifax to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither XXXX, XXXX nor Equifax, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.

Company response to consumer: Closed with explanation