vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
The company called my mother and told her that I was going to go to jail if I did not get in touch with XXXX XXXX XXXX. Also, and address was needed to serve my paperwork for court. She gave the company my address and told them a time that I would be home so the said company can serve me some type of paperwork. The address listed on the paperwork is mine however, it was received by a neighbor of my mother. After, knowing my address. The neighbor daughter gave me this information a week after someone gave it to her father. The information provided has inconsistencies and multiple addresses. The paperwork that was given did not come in an envelope with a return address. A letter about debt repayment options was mailed to my mother house as well after my address was given.

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 2022-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
On XX/XX/2022, Holloway Credit Solutions reported a collection in the amount of {$780.00} on behalf of, XXXX XXXX XXXX XXXX. I have never even visited this hospital. However, I have ran into this problem before with another bill. With that being said, there is a girl with the same first & middle name and birth date as I and the hospital is selecting the wrong individual when billing. I have spoke with the collection agency as well as, the hospital and when they go to dig deeper & ask me to verify everything, they start naming off her address and other information like her marital status, her husband 's insurance plan, and the fact that this collection is from a bill owed on her daughter, XXXX. I have told them I am not married nor, do I have a daughter. Therefore, this is not my bill and should be removed from my credit report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-03-31 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-03-31 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: NY

Complaint narrative:
I am writing today because I am shocked on how poor attention and lack of investigation XXXX, Transunion, and XXXX has provided to my credit report. After reviewing my credit and the FCRA, I must bring to your attention the account below inaccuracies : XXXX XXXX XXXX account number XXXX The first error date open Transunion is reporting XX/XX/2021 while XXXX and XXXX is reporting XX/XX/2021. 

The second account status XXXX is reporting closed, XXXX and Transunion is reporting open. 

The third error payment status Transunion and XXXX is reporting collection/ charged off while XXXX is reporting late 120 days. 


The last error credit limit Transunion and XXXX is reporting {$2100.00} and XXXX is reporting {$0.00}. 

I have sent numerous letters to these three credit bureaus and they have failed to show proof that this account was properly verified. This is also a violation of code 15 U.S.C 1681G. There has been numerous inaccuracies with this 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 non-monetary relief
Consumer complaint received 2022-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Account Resolution Services XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, NM, XXXX To : The Office of Registered Agent for Account Resolution Services From : XXXX XXXX XXXX Regarding XXXX Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members , possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA. 
Please remove all unauthorized, fraudulent accounts promptly within XXXXour business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : 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 2022-03-31 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a hard inquiry on my experian credit report from a financing company where I didn't get any finance from. It's bringing a hard impact on my credit. It's from XXXX XXXX XXXX. 

In accordance with the fair credit reporting act convergent Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
My husband has been a member with USAA for almost 28 years. We made an international purchase, or tried to ( from a place I've ordered from before XXXX  ) we verified PRIOR to pressing the process payment button through XXXX  AND also verified after with USAA it was NOT a fraudulent charge when we recieved the text to confirm that... YET the charge was still declined ..AND our account is now under " review '' for fraud. We can't access our money or even look at our accounts now for who knows how long ( They say 3 buisness days, but I've seen ALOT of concerning comments regarding this and it seems that's what it starts as 3 but that time gets longer ) even after verifying multiple times this was a purchase WE were trying to make. AND Now we have about 8 bills that aren't going to go through because we can only conviently make deposits into our account. I probably would get this review alittle more~ if there was maybe actual fraud to look into... But we had verified multiple times now IT WAS US . And what's really annoying my husband was literally on the phone when they apparently decided to lock us out of our accounts completely. So it seems, we're basically just waiting on someone to unlock our account now for a charge that was verified multiple times to be our own. And in the meantime we don't have access to our funds and multiple bills we will be paying fees for when they bounce or don't go through because USAA is only accepting money INTO our account. And all this for a purchase we did everything we had to TO verify we DID MAKE. ( OR TRIED TO. And the purchase never went through either. ) Apparently nobody can do anything about this to speed the process up ... .Or at least we can't speak to anybody who actually can. When I call the automated system it says my information isn't recognized either .... Like I don't exist anymore in their sysyem. But our direct deposits sure are still hitting just fine... Funny thing ... Last month we had about 20+ charges to XXXX to our account back to back ... .That didn't trigger a " review '' or even a block. This though ... .A international charge to a buisness I have purchased from before AND verified with VISA verification prior to pressing process AND through USAA verification AND verifying by phone with a person ... That does.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: LA

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2022-03-31 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: LA

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: LA

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2022-03-31 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: VA

Complaint narrative:
On XXXX XXXX, Equifax issued a copy of my " credit file '' and it showed MANY inaccuracies and they are claiming them to be " accurate which are displayed in my attached exhibits. In response to my previous complaint ( XXXX ), Equifax deleted the personal information that I have tried to get removed since I first noticed that it was not correct on XXXX They refused to fix my DOB and are asking for my SSN card, driver 's license, and/or birth certificate even though I have ALREADY provided them with this information when I originally began disputing the validity of my report/file. Equifax is using this as a stall tactic. They are in violation of 15 USC 1681e ( b ). Equifax is now considered to be willfully noncompliant in pursuance to 15 USC 1681n. They are continuing to furnish inaccurate information and they are claiming to have verified this information as accurate but are unable to provide me with the process they took to ensure the information is accurate. The consumer report displayed by Equifax is completely fraudulent and their repeated failure to follow the FCRA demonstrates their incompetency. You can not claim to verify accurate information on a consumer when you are advertising the incorrect accounts, unauthorized inquiries, and wrong date of birth. There is no apparent evidence that this consumer report is truly mine based on the fact that Equifax has repeatedly ignored their responsibilities as provided by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
In XXXX I inquired at the XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. I was lead to believe that I would be making potentially 6 figures in 2 years or less if I went to their school. I signed up for both in person and online classes. The school not only maxed out my borrowing for loans but forced me into private loans to buy equipment and supplies that were not included in the tuition. They are a for profit school. I was a single unemployed new mom and they preyed on that. Although I struggled I was on the deans list and keeping my grades up. I received a phone call from the school after {XXXX} in private loans were forced on me to take out to pay additional expenses and the school maxing out student loans I was told, the program was only eligible to receive loans for 2.5 years and I will need to pay cash for my upcoming semester in the amount of {XXXX} +. I have been put into bankruptcy and left potentially homeless with no way of ever being able to dig myself out of the financial burden the XXXX XXXX XXXX XXXX in XXXX Indiana imposed on my life and future. They promised job placement and they lied about graduation and success rates, they misrepresented fees and costs, filled out loan paperwork on my behalf. I attempted several times to get some kind of forgiveness for all of loans and continuously denied by the loan servicer, which was XXXX XXXX and navient. I have been gainfully employed with a government position for 8 years, still because of student loans not able to afford daily costs of living with loan services wanting unaffordable payments a month that excess far beyond what my salary allows me to afford. Student loans are not my only debt or bill. I am a single mother of XXXX XXXX XXXX XXXX and live with my parents. If the XXXX XXXX XXXX XXXX  had not misled and blatantly lied, I would not be in this situation which has inevitably ruined my life and future and potential of giving my daughter a future and stability. After being employed in public service for 8 years my payments for pslf have been recalculated with a pay off year of XXXX. How is that possible when Ive made payments since XXXX and pslf is forgiveness in 10 years and Ive already been employed for 8? 

The private loans still being serviced by navient are apparently unforgivable under any circumstances or misleading by the so called college that demanded {XXXX} cash after lying to me for 2.5 years and. I can not make or afford payments of $ XXXX a month and feed myself and my child, put gas in my car to get to work or pay other bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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:
I am writing today because I am shocked on how poor attention and lack of investigation XXXX, XXXX, and Equifax has provided to my credit report. After reviewing my credit and the FCRA, I must bring to your attention the account below inaccuracies : XXXX XXXX XXXX account number XXXX The first error date open XXXX is reporting XX/XX/2021 while XXXX and Equifax is reporting XX/XX/2021. 

The second account status XXXX is reporting closed, Equifax and XXXX is reporting open. 

The third error payment status XXXX and XXXX is reporting collection/ charged off while Equifax is reporting late 120 days. 


The last error credit limit XXXX and XXXX is reporting {XXXX} and Equifax is reporting {XXXX}. 

I have sent numerous letters to these three credit bureaus and they have failed to show proof that this account was properly verified. This is also a violation of code 15 U.S.C 1681G. There has been numerous inaccuracies with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: NY

Complaint narrative:
I am writing today because I am shocked on how poor attention and lack of investigation Experian, XXXX, and XXXX has provided to my credit report. After reviewing my credit and the FCRA, I must bring to your attention the account below inaccuracies : XXXX XXXX XXXX account number XXXX The first error date open XXXX is reporting XX/XX/2021 while Experian and XXXX is reporting XX/XX/2021. 

The second account status Experian is reporting closed, XXXX and XXXX is reporting open. 

The third error payment status XXXX and Experian is reporting collection/ charged off while XXXX is reporting late 120 days. 


The last error credit limit XXXX and Experian is reporting {XXXX} and XXXX is reporting {XXXX}. 
I have sent numerous letters to these three credit bureaus and they have failed to show proof that this account was properly verified. This is also a violation of code 15 U.S.C 1681G. There has been numerous inaccuracies with this 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