vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I received a telephone call from Portfolio Recovery Associates from a number shown as XXXX in XXXX NC on Tuesday, XX/XX/2021 at XXXX XXXX I did not answer the call and blocked that number on my phone because it was not a number known to me. Today, XX/XX/2021 at XXXX XXXX I received a call from XXXX in XXXX, Alabama. I called the number back and was told first in a recording and then when I spoke to someone that this number is for Portfolio Recovery Associates. When I explained that I have no debt and asked that I be taken off their call list, I was asked for my account number or my social security number. When I explained that I don't have an account and that I certainly don't give out my social security number, I was told that there is no way to access my account so they can remove me from their call list. 

My only debt is a car payment that has never been paid late ( auto-drafted from a savings account ) and a credit card which may have of balance of $ XXXX but is always paid on time and is often {$0.00} balance. These people need to quit calling me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have sent letters to Credit Reporting Agencies Transunion and XXXX  for the following FCRA violations : 1. Pursuant to 15 USC 1681b ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give these credit reporting agencies any written instructions to furnish the following inaccurate accounts.

2.Pursuant to 15 USC 1681a ( 2 ) ( b ) a consumer credit report should not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. They are in violation of the above-named Title and Section.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2021-08-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: PA

Complaint narrative:
THE DEPT OF NELNET is continuing to to Violate my Consumer and Civil rights. I sent them a Debt Validation request on XXXX XXXX. They did NOT send me any original documentation required under section609 ( a ) ( 1 ) ( A ) and section611 ( 5 ) ( A ) of the FCRA, While they are still continuing to report this unverifiable, erroneous account on my credit report. They are required by Law to promptly delete this account from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I originally submitted a complaint to the CFPB on XX/XX/2021 against Equifax regarding inaccurate and unauthorized items reflecting on my credit report. The original complaint ID XXXX-XXXX. Equifax responded stating that a collections account reflecting on my credit report is verified and belongs to me however I did not receive proof of validation. In order for validation to occur, according to 15 USC 1681 ( a ) ( e ) ; this law states that when a consumer investigative report is conducted ; factual information should not be included and an interview has to be conducted with my neighbors, friends or associates. In the response it was stated that an investigation was conducted and results were mailed to me however according to the FCRA ( 15 USC 1681 ( a ) ( e ) ) an interview has to be conducted with my neighbors, friends or associates and this did not occur however the inaccuracies were not validated. Additionally, I filed a CFPB complaint against XXXX XXXX regarding the referenced account and XXXX XXXX responded stating that the item would be removed from my credit report ( document attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: Radius Global Solutions LLC
State: MS

Complaint narrative:
XXXX XXXX  and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed 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 2021-08-05 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: MD

Complaint narrative:
I have a medical collection from Phoenix financial Also I have multiple inquiries That I have no clue about Months ago I was robbed and I guess because there was no password on my phone someone used my information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed a complaint with XXXX  to have so inquiries removed from my credit report, XXXX  deleted 18 inquiries but did not delete the rest on my credit report I have 12 inquiries on my repor that I want deleted, I have screen shots of 12 inquiries remaining on my XXXX  credit report that I want deleted I do not recognize these inquiries and would appreciate if XXXX  delete these inquiries, I have filed a FTC identity theft report and sent to XXXX, you can not get all these inquiries on this FTC report, so Im sending the screen shots to XXXX and show them that the rest needs to be deleted

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 2021-08-05 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: NY

Complaint narrative:
To Whom It May Concern, I rec 'd today a updtated credit report form Equifax dated XXXX XXXX XXXX. 

I have been going back and fouth with Equifax since XX/XX/XXXX and my nothing gets fixed. 

I provided them a copy of the excutive order from the internet regarding NEW YORK STATE MANADATE EXCUTIVE ORDER BY MY GOVERNER and still they put late payment on my credit report. 

I tell them I was on a forbearance due to covid 19 form XX/XX/XXXX - XX/XX/XXXX and still nothing changes on my cerdit report. 

I think, what fair, is for the credit agency blank out that period in time in the colume called SCHEDULE PAYMENT AMOUNT, just like they did for XX/XX/XXXX and XXXX XXXX.Why? because I was effective by the natual disaster covid 19 and I was on a forbearance. 
also, my mortage amount changes every XXXX and for XX/XX/XXXX my payment amount was {$810.00} not $ XXXX.Here 's another examplle on how, XXXX XXXX XXXX  continues to provide incorrect, information regarding borrowers to credit agency. 

Finally, On XX/XX/XXXX credit report there's a titled called ACCOUNT HISTORY WITH STATUS CODES : I would like XXXX to be blank too.Why? becasue it's reporting late payment during my forbearance period from XX/XX/XXXX - XXXX XXXX.Thye cam leve it blank or put a dash or XXXX. 

XXXX you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I applied for a, Care Credit Card for our Sickly XXXX  ... I was never told anything about Finance Charges, nor was I told it had to be Paid off in 6 months..

I have been paying on the Card monthly, never missed a payment..

The Balance, had Gotten down to {$930.00}.

I was Rudely Informed today, that Since It wasn't paid off in 6 months..

Now, they have charged me {$79.00} In Interest!

The guy i spoke to this morning Was Rude!

And, told me I should of had paid it in 6 months..

I told him I don't have that type of monies to pay off in 6 months..

I have never missed a Payment, nor been late!

I told him by law they can't do this..

He stated Yes they can!

I have other Credit cards, and haven't paid off the Entire Balance ... And, wasn't charged Almost {$80.00} at one time, in Finance charges!

I told him they can't do that, it's against the law..

He stated Yes they Could..

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 monetary relief
Consumer complaint received 2021-08-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It is factual and evident you the CFPB do nothing to protect us individually sine the same type of complaints are entered time after time with no resolution. Once again got an OFF SHORE PERSON who has complete access to my file and asked for my social security nber ... .fact. yet no concern. Secondly as with the other two credit bureaus XXXX  credit on my account and impacting my credit and I will not have an answer for a minimum of 30 days even though XXXX  never notified me of an attempt to collect their wrong debt on XXXX XXXX XXXX XXXX. NEVER HAD IT. ATTY TENERAL FLORIDA WORKING THE CASE. ACCT XXXX  Bal yet ATT EXEC OFFICE YET XXXX XXXX STILL PURSUES 1.5 YEARS LATER furthermore the sanecrefundebt comaibts opened with your agency languish unresolved for years holding us financially captive. FACT supported by complaints.

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 2021-08-05 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 had a Debt with XXXX  XXXX XXXX that I paid in XX/XX/2020 through the collections company they sold it to, XXXX XXXX XXXX  ( XXXX ). I was told by XXXX XXXX XXXX that it would be removed from my credit reports ( all 3 ) within 30 days. I called 30 days later to tell them that it had not been removed and they said it was because I had to call them to request it be removed and that it would be done in ... 30 days. By then the holidays were happening and I didn't check again until XXXX. Still on all 3 reports.

I called again and was told that it looked like no one had put in the request and it would be removed in ... thirty days. 
I called back early XXXX and was told that they don't remove collections, they just take payment and it would take 7 years to " fall off ''. I told them I had called several times before and no one had told me that. The woman said that she could see I had called but they don't remove collections they just report it paid and to be a {$0.00} balance and if I wanted it removed I would have to call the originating company, XXXX  XXXX XXXX. 
I called XXXX  XXXX XXXX and they told me that only XXXX could have it removed, or I could call each individual credit agency, which I did. They took a dispute but so far, 2 of 3 put the dispute in as being a dispute about the amount, which it is not. 
I have submitted a complaint with XXXX  and tried calling XXXX back several times but they keep telling me that they do not remove collections. 
I am trying to get financing to purchase a home. During that process over the past year I paid off my debts and had no problem getting other collections, some for much higher balances and at least ONE other that was settled through XXXX, removed. I do not understand why XXXX  XXXX XXXX and/or XXXX will not remove this last account but I would like it either done, or explained. 
Thank you 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 2021-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
XX/XX/850 XXXX  call from XXXX XX/XX/XXXX XXXX call from XXXX XX/XX/1031 XXXX  call from XXXX XX/XX/838 XXXX  call from XXXX XX/XX/441 XXXX  call from XXXX XX/XX/134 XXXX  call from XXXX XX/XX/XXXX XXXX call from XXXX XX/XX/XXXX XXXX call from XXXX XX/XX/204 XXXX  call from XXXX There's a long list but this is enough to prove the point that they keep calling my home mornings, afternoons and late evenings. I want all forms of communication to cease immediately or I will be forced to take legal action. I did send an email to them today at the advice of a law form I consulted this morning and will send a letter certified mail. This is not the first time I reported this company to you all, but hope it will be the last.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: CA

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and finally some misinformation like my name, address, and employer to my credit report. it is clear that I am a victim of identity thief or fraud. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: NJ

Complaint narrative:
I am having an issue with the way that XXXX XXXX XXXX is reporting my status on an active auto loan. I ran into a temporary financial issue at the end of XXXX that led to my loan being late for a few months. And as a result, my account did report late. I later recovered and caught the account back up by XX/XX/XXXX. The problems with the reported account status started, once the account was brought current again. As previously stated, my account was brought current again in XXXX. However, they did not update my account as current again until the month of XXXX. And since that time, I have continued to make on-time payments each month, but XXXX XXXX has only updated the payment history of this account through XXXX. I have now made eight on-time payments to XXXX XXXX since XXXX. However, XXXX XXXX continues to report that the account was still late in XXXX and XXXX, when it was not. And furthermore, the only way I can recover from the late payments with my credit score, is by re-establishing my good payment history. But XXXX XXXX just doesn't report them. I am now eight months removed from my last late payment, but on my credit report, XXXX XXXX is reporting that I am only two months removed from the last late. By erroneously reporting lates in XXXX and XXXX, combined with not reporting any additional payment history on the account since XXXX, it appears that my account was late just two months ago. Again, this account has been current for eight months now. XXXX XXXX was really quick to report my account when it was late. But for whatever reason, they now refuse to update my account properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: NJ

Complaint narrative:
I am having an issue with the way that XXXX XXXX XXXX is reporting my status on an active auto loan. I ran into a temporary financial issue at the end of XXXX that led to my loan being late for a few months. And as a result, my account did report late. I later recovered and caught the account back up by XX/XX/XXXX. The problems with the reported account status started, once the account was brought current again. As previously stated, my account was brought current again in XXXX. However, they did not update my account as current again until the month of XXXX. And since that time, I have continued to make on-time payments each month, but XXXX XXXX has only updated the payment history of this account through XXXX. I have now made eight on-time payments to XXXX XXXX since XXXX. However, XXXX XXXX continues to report that the account was still late in XXXX and XXXX, when it was not. And furthermore, the only way I can recover from the late payments with my credit score, is by re-establishing my good payment history. But XXXX XXXX just doesn't report them. I am now eight months removed from my last late payment, but on my credit report, XXXX XXXX is reporting that I am only two months removed from the last late. By erroneously reporting lates in XXXX and XXXX, combined with not reporting any additional payment history on the account since XXXX, it appears that my account was late just two months ago. Again, this account has been current for eight months now. XXXX XXXX was really quick to report my account when it was late. But for whatever reason, they now refuse to update my account properly.

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 2021-08-05 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: TX

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and finally some misinformation like my name, address, and employer to my credit report. It is clear that I am a victim of identity thief or fraud. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I was the victim of a scam in XXXX, I did the police report and everything, my account was closed due to fraud, but my credit card was still open, I paid the remaining balance more than a month ago. I'm still not able to open a bank 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 2021-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
COMENITY CB # XXXX is reporting a collection with a XXXX  balance on my credit report. I have reached out numerous times to have this deleted from my credit report due to it being a debt that is not owed. I have attached the credit report reflecting this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: VA

Complaint narrative:
I have sent letters to Credit Reporting Agencies XXXX  and Equifax for the following FCRA violations : 1. Pursuant to 15 USC 1681b ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give these credit reporting agencies any written instructions to furnish the following inaccurate accounts.

2.Pursuant to 15 USC 1681a ( 2 ) ( b ) a consumer credit report should not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. They are in violation of the above-named Title and Section.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation