vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-17 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX Louisiana on XX/XX/XXXX and made a down payment of {$4600.00} directly to XXXX XXXX XXXX to knock the principal balance down. the original amount of the vehicle was approximately {$9000.00} until the interest was applied which made it total {$15000.00} so i applied the {$4600.00} to knock the balance down but it never did and i asked XXXX XXXX XXXX will it show and she replied " it will reflect as I make my monthly Payment '' so it never did so i began asking why hasn't it reflected yet, she continued to say " it will reflect so time continued to pass so i eventually reached out to the local law enforcement and asked for advise and the XXXX police department said this was considered fraud so i took the next steps and filing a police report because i had realised this company wasn't being honest with me. On or around XX/XX/XXXX I called the police station for an officer to come and investigate so two police officers from the XXXX police department came on the scene to XXXX XXXX XXXX to investigate but they were closed. So we returned at a later date during their normal business hours on XX/XX/XXXX so as the officer proceeded to investigate and question them where did my down payment go. They ( XXXX XXXX XXXX ) couldn't explain and XXXX XXXX was jumping up and down. So when it was time for me to make my monthly payment. XXXX XXXX XXXX refused my payment and said i was behind which i was not and XXXX XXXX stated " XXXX you should have never said we stole your money '' after I asked why was they refusing my payment. They are still refusing my payment I've gone over there more than once and even have called and asked family and friends to call to see if they can make my payment but they refuse it and now are trying to make me pay my full remaining balance off which is not right when i wasn't behind but they are making me fall behind because they are refusing my payments only because i wanted to know where did my down payment go. this is fraudulent and unlawful what they are doing to me. I have reached out and got an attorney I've also notified the FTC, State Attorney General and local law enforcement. Also it took XXXX XXXX a month later to send me a receipt of my down payment which was XX/XX/XXXX after I kept begging for my receipt.

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 2022-01-17 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: Specialized Collection Systems, Inc.
State: TX

Complaint narrative:
I have reached out to XXXX regarding erroneous, and unvalidated information from 3 collection agencies, 1 of which has since stop reporting on it's own after I asked the company to validate the alleged debt.

The two remaining collection agencies are XXXX XXXX and Specialized Collocation Systems have yet to validate their alleged accounts. I have never given XXXX Associates nor Specialized Collection Systems permission to receive, collect, nor furnished any of my personal information and private information to any agency ( ies ) or person. 
XXXX seems to be violating the law. 15 USC 1681b Permissible Purpose of Consumer Report.

( a ) In general 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. 
XXXX stated that they investigated the alleged accounts and it was verified, and will not reverify the alleged accounts. 
I wrote XXXX again requested information regarding their investigation in XXXX, XXXX. As of now XX/XX/XXXX I have not receive the requested answers to my questions regarding the validation of those 2 alleged accounts.

15 USC 1681 a 2 ( a ) ( i ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2022-01-17 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: S&S Physician Services, Inc.
State: TX

Complaint narrative:
I have reached out to XXXX regarding erroneous, and unvalidated information from XXXX collection agencies, XXXX of which has since stop reporting on it's own after I asked the company to validate the alleged debt. 
The XXXX remaining collection agencies are Harvest Associates and XXXX XXXX XXXX have yet to validate their alleged accounts. I have never given Harvest Associates nor XXXX XXXX XXXX permission to receive, collect, nor furnished any of my personal information and private information to any agency ( ies ) or person. 
XXXX seems to be violating the law. 15 USC 1681b Permissible Purpose of Consumer Report. 
( a ) In general 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. 
XXXX stated that they investigated the alleged accounts and it was verified, and will not reverify the alleged accounts. 
I wrote XXXX again requested information regarding their investigation in XXXX, XXXX. As of now XX/XX/XXXX I have not receive the requested answers to my questions regarding the validation of those 2 alleged accounts. 
15 USC 1681 a 2 ( a ) ( i ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-01-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: PA

Complaint narrative:
On XX/XX/2020 there was a card to bank transfer for XXXX says XXXX XXXX personal checking ach ... .. then I called them and told them to cancel that because I wasnt sure why it happened although I did make an attempt to transfer money around that time. They said ok and did they also issued me a new card. 

On XX/XX/2020 I got messages stating It was canceled or reversed and credited to my acount. 

On XX/XX/2020 I got another message stating the reversal was canceled. 

On some of the messages it says... .original transaction I'd is XXXX ... on another it says XXXX... I dont know if that's relevant. 

I called again and asked what happened they said they couldn't stop the transfer and couldn't refund it. I asked them for the information on were the money was transferred to but they didnt give it to me. They told me I needed to do it myself or something because it went into my account. They said they would send me a statement or information. But I never got it. I called meny times. Asked meny times they still havent helped me find were the money went. 

My email is XXXX And my phone num. Is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXXXXXX XXXX  pa. XXXX Please help me find the money

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 2022-01-17 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I would like to make the complaint to XXXX  XXXX XXXX, XXXX XXXX-CA and National Credit System regarding my scam debt. 

I did not sign the lease agreement and moved it or took the room key, but they put me on collection. I did have a apartment tour, before they asked me to sign the tour papers. They did not explain or disclosed what in the papers, and I got their debts on my credit report as collection {$570.00}. 

They were scam. 

Please investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of XXXX XXXX XXXX XXXX aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information on CITICARDS CBNA from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please investigate and remove it from my personal credit file. Thank you. 

( CITICARDS CBNA 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 2022-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information on JPMCB CARD from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please investigate and remove it from my personal credit file. Thank you. 

( JPMCB CARD XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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:
Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : ( XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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:
Upon reviewing my updates, incorrect information was found in my reports. The Transunion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : ( XXXX XXXX  XX/XX/2020, XXXX XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020, XXXX XXXX XXXX XX/XX/2020, XXXX XXXX XXXXXX/XX/2020 XXXXXXXX XXXX  XXXXXX/XX/2020

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 2022-01-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: OK

Complaint narrative:
XXXX is my current Dept. of Education loan holder. I have been working toward PSLF since graduating with my first degree in 2013. I have had many issues with PSLF over the years. Most notably, long recertification application times. They have placed my loans under " administrative '' forbearance multiple times for many months. They have also failed to process my " in-school deferment waiver '' forms that I have submitted. I went back to school but continued to work full time for a PSLF eligible employer and continued to make payments. I was only made aware of the deferment after requesting a PSLF employer certification count. I have requested that fedloan resolve this issue about every 3 months but they " have a backlog of requests. '' Now that they are dissolving their contract, I would like to have this reviewed before they stop servicing my loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
NetCredit sent me an before any negative actions. Agreed to payment arrangement, paid and still reported negative information. Please see emails..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: GA

Complaint narrative:
I call Experian, XXXX, XXXX, XXXX and XXXX and XXXX given them written instruction that I am Opt-Out as a consumer. they all still reported late information on my consumer report nor did I give my consent to do so Fact : 15 USC 1692j ( a ) ( b ) furnish and using deceptive forms. Refusing me of my right as an consumer I request verification with copy of paper work not a response. These consumer report agent were inform of there action, but still insist on violates and failure to comply with my consent.

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 2022-01-17 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: FL

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my report that Transunion some how obtained without my written permission or agreement, and I ran across a a company named XXXX with a balance of {$8700.00} on a debt I do not owe or have no knowledge of. I continue to alert Transunion XXXX and XXXX of these actions, one letter I sent to all 3 bureaus and they all responded saying I must verify my identity twice and still nothing happened. I reached out to the company and they have no answers for me but to file a report on behalf of my credit. Attached is a copy i sent to the company and transunion received the same via certified letter.

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 2022-01-17 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: NV

Complaint narrative:
Equifax is refusing to remove fraudulent credit inquiries from my credit file but removed 18 closed account is good standing with positive payment history from my credit report without my permission and against the law. 
Information about those accounts in the attached screen shots.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: FL

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17 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: NC

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX

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 2022-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
upon checking my report I stumbled across fraud on my account. after closely reviewing the information furnished on my report I can not understand nor remember going into a agreement with this company. They are furnishing bad reports and being deceptive to the system, my credit report and Transunion are allowing them to violate my consumer rights. I certified mailed a verification of debt and cease all communication until all things are solved but this is still on my credit until this day. Tranunion and this company received certified correspondence from me. attached is the document I sent to both 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 non-monetary relief