vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-02 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 discovered an inherent problem with the credit reporting system that this agency needs to change as innocent consumers are regularly being punished for doing nothing wrong. Two things happened this year that uniformly lowered consumers credit scores when they did nothing wrong and in essence changed and did nothing. XXXX changed banks and XXXX went out of business. I had a XXXX balance on my credit cards when those things happened and a record of 100 % on time payments when I did charge. Yet in both instances my credit score went down 5 points. These need to be reported differently so consumers arent punished because a business goes under or changes banks. Its appalling and outrageous that a good citizen gets punished when doing absolutely nothing wrong! 
Thank you, 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 2020-12-02 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items

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 2020-12-02 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: GA

Complaint narrative:
For : XXXX, Transunion, XXXX  -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX  XXXX, GA XXXX < -- -- ADDRESSES NOT MINE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX Balance {$16000.00} Actual Payment Amount - Date of Last Payment - Past Due Amount {$14000.00} Account Status CHARGE-OFF XXXX XXXX XXXX XXXX Balance {$760.00} Actual Payment Amount - Date of Last Payment - Past Due Amount {$760.00} Account Status < -- - ALL ACCOUNTS ARE NOT MINE. FCRA violation. Failure of 45 days to settle.

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 2020-12-02 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: GA

Complaint narrative:
For : XXXX, XXXX, Experian -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX  XXXX, GA XXXX < -- -- ADDRESSES NOT MINE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX Balance {$16000.00} Actual Payment Amount - Date of Last Payment - Past Due Amount {$14000.00} Account Status CHARGE-OFF XXXX XXXX XXXX XXXX Balance {$760.00} Actual Payment Amount - Date of Last Payment - Past Due Amount {$760.00} Account Status < -- - ALL ACCOUNTS ARE NOT MINE. FCRA violation. Failure of 45 days to settle.

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 2020-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
To Whom It May Concern LVNVFUNDG XXXX Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no prooofs to offer to support a dispute, and thus your asserton in the form of a polcie report is being used to obtain blockage, not contest the accuracy of its reportin Stating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX  has reason to determine that you obtained possession of goods Respond As a victim of identity theft ( meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver 's license numbers, in order to impersonate someone else ) I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s- 2 ( a ) ( 6 ) ( A ). Second, under FCRA section 615 ( f ), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA 615 ( f ), 15 U.S.C. 1681m ( f ) .As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed [ or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible Thank you. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: Porania, LLC
State: PA

Complaint narrative:
I had a few things on my report for years and it seems like they wont take it off its been on there to long and its also in a bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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:
THIS IS MY SECOND TIME REACHING OUT TO THE BUREAUS. THESE INQUIRIES ARE FRAUDULENT. I AM A VICTIM OF IDENTITY THEFT. I DIDNT AUTHORIZE THESE ACCOUNTS AND THEY ARE VIOLATING MY RIGHTS ACCORDING TO THE FDCPA. THE CREDIT REPORTING AGENCY CONTINUES TO VIOLATE MY RIGHTS ACCORDING TO 15 USC 1692. I AM REQUESTING THAT THE CREDIT REPORTING AGENCIES STOP REPORTING THESE FRAUDULENT INQUIRES AND VIOLATING MY RIGHTS ACCORDING TO THE 15 USC 1692.

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 2020-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Jim Bottin Enterprises, Inc
State: AZ

Complaint narrative:
I canceled a gym membership with XXXX XXXX in XX/XX/2020. 

I in writing in an email told them in that I wished to cancel my membership, and received confirmation on XX/XX/XXXX and they continue to harass me and bill me monthly and send me threatening texts and emails. 
I had been overcharged in XXXX, and they continued to collect gym membership fees even during months when due to covid they were closed entirely. They continue to try to do so to this day, now stating that I am {$60.00} past due for membership fees owed for the last three months. I even told them to stop contacting me and again they keep texting and emailing me. I told them both in texts and email to stop contacting and harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2020 I sent Synchrony Bank / Care Credit a settlement letter and check in the amount of {$910.00}. The settlement letter clearly stated that if they accept the payment, they agree to update my credit reports to show the account as settled for less than full with a {$0.00} balance owed. On XX/XX/2020 Synchrony Bank cashed the check and the check cleared my bank. As of XX/XX/2020 my credit reports are still showing a balance owed on the account, and has not been updated to reflect the account as settled for less than full. Sync Bank has not honored the terms of the agreement.

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 2020-12-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
I wrote Lockhart, Morris & Montgomery on XX/XX/2020 in which I posed a series of questions in which they did not fully answer. They simply sent me a copy of the contract from the original creditor without answering the questions in my attachments. I then proceeded to write them a second letter in reply to their first response letting them know that they were not in compliance with my request and attached evidence with my letter in which I have attached here as well. 
They had 30 days to legally reply in a timely manner to my request, and I gave them 45 days which was more than sufficient time for them to get back to me with the answers to my questions I posed again on my letter dated XX/XX/XXXX. I have also attached proof of the receipts that were both signed stating my letters were received and ample time was given to investigate. 
They neither replied to my letter this time, nor deleted the account from my credit. According to the FDCPA and FCRA, they are in clear violation at this point and I have given them more than one opportunity to correct this matter. I mailed them a third letter dated XX/XX/XXXX advising them of their violation and advised them to provide the evidence I requested in my previous two letters, or to DELETE this account from my credit reports. 
Since they have not complied according to my legal rights with the FDCPA and FCRA, then I thought this time to file a complaint with you along with the mailing of my final letter before I move forward with legal proceedings with this company. 
I am hoping that they will rectify this situation immediately or we will be seeing each other in court in my state according to my last letter mailed out. This is my FINAL attempt to settle this matter amicably.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: KY

Complaint narrative:
I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, XXXX and Equifax. The complaint numbers were XXXX ( XXXX ), XXXX ( Equifax ) and XXXX ( XXXX ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of XXXX, XXXX and Equifax, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by and of the bureaus to resolve anything, even after filing a complaint for getting no responses! I'm also aware that there was public data released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, XXXX  and Equifax must be held accountable and to the standards clearly outlined in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, Experian and XXXX. The complaint numbers were XXXX ( XXXX ), XXXX ( XXXX ) and XXXX ( Experian ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of XXXX, Experian and XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by and of the bureaus to resolve anything, even after filing a complaint for getting no responses! I'm also aware that there was public data released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, Experian and XXXX must be held accountable and to the standards clearly outlined in the FCRA.

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 2020-12-02 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: GA

Complaint narrative:
I have tried to rectify several errors and fraud accounts with all 3 credit agencies and I need your assistance in getting this done. The following items does not belong to me and is reporting incorrectly on my credit file : The following account is not mine : - XXXX XXXX XXXX - {$1000.00} ; Date Opened : XX/XX/XXXX - XXXX XXXX  XXXX - {$1900.00} ; Date Opened : XX/XX/XXXX The following account are reporting incorrect late status : XXXX XXXX - {$0.00} ; Date Opened : XX/XX/XXXX ; I was never 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX XXXX - {$6400.00} ; Date Opened : XX/XX/XXXX ; I wasn't 30 or 60 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, or XX/XX/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 2020-12-02 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 HAVE REVIEWED MY CREDIT FILE AND CAME ACROSS TWO INACCURATE ACCOUNTS AND AN ENTRY UNDER INQUIRIES THAT IS REPORTING ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRY DOES NOT BELONG TO ME AND IS IN NO WAY AFFILIATED WITH ANY TRANSACTIONS THAT WAS MADE BY ME. THE ACCOUNTS AND INQUIRY WAS NEVER AUTHORIZED BY ME. I AM ASKING THAT YOU PLEASE LOOK INTO THIS MATTER AND RESOLVE THIS ISSUE BY REMOVING THE DEROGATORY ACCOUNTS AND INQUIRY OFF OF MY CREDIT FILE.

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 2020-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
XXXX was paid an balance owed to them is XXXX I've called an haven't received a receipt of payment either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: WA

Complaint narrative:
This summer I refinanced my mortgage with XXXX XXXX XXXX. They sold my mortgage and the new servicing company is BSI Financial. On XX/XX/XXXX I got a notice my city treasurer notifying me that my property taxes hadn't been paid on time ( XX/XX/XXXX ) and that a 1 % penalty had been applied. If I still hadn't paid them by XX/XX/XXXX then another 8 % penalty would apply. I tried to contact BSI via phone to see why they had not paid my taxes from the funded escrow account for that purpose but was not able to reach anyone. I then tried sending an email to their customer service trying to find out why they hadn't paid the taxes. With no response I paid the taxes from my own account instead of the escrow account to avoid the large penalty that would apply. It has been a few days now and I still haven't been able to contact anyone at BSI to understand why this even occurred or how to prevent this from occurring again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
The lease was turned in on XX/XX/2020 to XXXX XXXX XXXX, and the dealership provided me with a dated document stating that there were 2 keys turned in with the vehicle. 

I called in on XX/XX/XXXX and was told where to send the documentation showing that there were both keys with the vehicle and that they would provide a response within 24-48 hours. I have yet to receive a response and they did confirm that the documentation was received for both keys. 

Now, I have a balance due for something that is not a valid charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I spoke to XXXX from Experian. I had ask her to remove my soft inquiries. I was told from her that i had to give her all the names of the soft inquiries that. I had explain to her there were to many inquiries. I had let her know that i will call Consumer Financial Protection Bureau.

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 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have made several attempts recently to have the balance updated on 2 charged off accounts ; XXXX Credit Card and XXXX XXXX XXXX. I have sent multiple disputes to all three credit bureaus XXXX, XXXX and Equifax. They have all stated that they investigated and updated my results. I dont believe that they have investigated because they would have found in the investigation that the balance on the charged off accounts with Target card services and XXXX XXXX XXXX should both be listed as {$0.00}. Both of these accounts have been sold to collection agencies. According to fair credit reporting practices, an account sold to a collection agency should not continue to report a balance owed. This is a direct violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: GA

Complaint narrative:
I filed a complaint and asked for addresses to be removed XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX forever court XXXX, Va XXXX I never lived at these addresses and I have accounts linked To this address someone is syncing my credit it's an account I'm asking that these addresses be removed from my account I have already submitted one compliant and you said I didn't create that compliant XXXX is another number that isn't my number Either I'm asking for this information to be removed it is inaccurate.

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 2020-12-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian ignored my fraud alert and provided a credit report and other personal information to obviously suspicious inquirers. They make no effort to secure or verify any of the information they possess. They further allowed the fraudulent actors to create an account using my personal information but linked to an email and phone number in their control. That way, when I tried to correct Experians mistakes, I was unable to even create an account. And they dont answer their phones.

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