vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
THIS DEBT COLLECTION COMPANY IS TRYING TO COLLECT A DEBT THAT IS NOT OWED. XXXX XXXX SENT ME A NOTICE OF THEIR INTENT TO COLLECT A DEBT WHICH I RESPONDED WITH IN XXXX DAYS. THER NOTICE WAS DATED XX/XX/2021 WHICH I RECEIVED XXXXDAYS LATER ON XX/XX/2021. XXXX DAYS TO RESPOND WINDOW CLOCK STARTS AT THE MOMENT OF RECEIPT NOT THE MOMENT THE DEBT LETTER WAS DATED. I DO NOT OWN THE POSTAL NETWORK SO DEPOSITING A DEBT LETTER IN THE POSTAL SYSTEM DOES NOT START THE XXXX DAY WINDOW IT IS UPON THE MOMENT OF RECEIPT. I ONLY OWND THE RECEPTACLE IN WHICH MAIL IS DEPOSITED INTO. THIS IS WHEN THE XXXX DAY WINDOW STARTS UPON THE MOMENT OF RECEIPT. NEEDLESS TO SAY I RESPONDED WITHIN THE XXXX DAY WINDOW AND THE COLLECTION OFFICE RECEIVED IN THEIR POSSESSION MY REQUEST TO VALIDATE THIS ALLEGED DEBT ON XX/XX/2021 AND SIGNED FOR IT. UPON RECEIVING MY NOTICE FOR VALIDATION, QAR IMMEDIATELY PROCEEDS WITH COLLECTION ACTIVITY BY NOTIFYING THE CREDIT BUREAU OF THE ALLEGED DEBT IN VIOLATION OF THE XXXX LAWS. THIS CAN BE PROVEN BY MY ATTACHED DOCUMENTATION. QAR HAS YET DETERMINED OR EVEN PROVEN THAT THE DEBT IS VALID AND CORRECT. LET ALONE EVEN PROVEN THAT THE DEBT IS INDEED MINES AND VALID. I HAVE NEEVER DONE BUSINESS WITH QAR AND HAVE NEVER ENTERED IN ANY AGREEMENT WITH QAR FOR ANY TRANSACTION. QAR HAS NOT SHOWN ME THAT THEY ARE EVEN LEGALLY THE ONERS OF THE ALLEGED DEBT. SINCE QAR ARE IN VIOLATION OF THE XXXX I IMPLORE THEM TO DELETE ALLEGED INACCURATE DEBT OR THEY WILL ANSWER FOR THEIR VIOLATIONS IN STATE AND FEDERAL COURTS

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 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} FCO ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$87.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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 XXXX 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/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting AcXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this XXXX complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting. 
XXXX {$0.00} XXXX {$520.00} XXXX  XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$4700.00} XXXX {$1100.00} CREDIT XXXX {$900.00} XXXX XXXX {$660.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: FL

Complaint narrative:
3 facts ( equifax report show different account name and balance ; XXXX report show different account name, balance and closed ). 
XXXX and Equifax have violated my right under the FCR, FTC and Fair credit and billing act by inaccurate reporting on my XXXX and Equifax credit report. XXXX has a different account number and different account balance as shown here ( DISPUTED ACCOUNT XXXX XXXX XXXXXXXX {$18000.00} Account XXXX Closed ) while Equifax reported something totally different as show here ( XXXX XXXX  Account Number XXXX XXXX Reported Balance {$18000.00} ). 
For your reference this case has been closed so why is it still on my credit report. Because of this inaccurate reporting you have hampered my financial future in obtaining financial readiness. Please delete this immediately. ) As a father, I take this seriously. My child is XXXX XXXX of age and I am still paying {$200.00} per month to help my children. By law I know all information on the credit report must be 100 % accurate, with no errors and must be verifiable. I know these information are not correct. Please delete this immediately. I am currently working with CFPB to request their assistance in this matter. I wish to see the original sources of the information reported including, but not limited to, the original contract or agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. I have requested the XXXX and Equifax to correct their mistake. 

I have attached XXXX and Equifax reports to show the discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, 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 still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2021 XXXX  XX/XX/2021 XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint as Experian has violated XXXX  right and Fair credit and billing act. I have requested a full validation under these XXXX laws for this account name here. 
XXXX XXXX XXXX XXXX. I have not been late for this account and have requested a full validation.

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 2021-11-23 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been over XXXX  days and I have not received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CarMax, Inc.
State: SC

Complaint narrative:
I had been behind on my car payment. I lost XXXX of my jobs during COVID. I was trying to catch up and just got another job. I was out of town and CarMax had my car repossessed. I was left stranded out of town. I had no prior warning that they were going to repossess my car. I have tried to ask them to change my payment due date but they never would.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been over XXXX days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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 XXXX 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/2021. And now we are in the month of XX/XX/2021 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 ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Massachusetts Educational Financing Authority
State: MA

Complaint narrative:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: TX

Complaint narrative:
Experian and XXXX have violated my privacy right under the XXXX law and my right under the fair credit and billing act and XXXX. I have XXXX party collector continuous making harassment calls about my medical information. Please ask the bureaus to stop and provide full validation of below account and their right to collect. I have requested by certified mail on XX/XX/2021 without an answer back. I have filed a XXXX violation in the attachment. 
XXXX XXXX XXXX Account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-23 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: TX

Complaint narrative:
XXXX and Transunion have violated my privacy right under the HIPPA law and my right under the fair credit and billing act and FCRA. I have 3rd party collector continuous making harassment calls about my medical information. Please ask the bureaus to stop and provide full validation of below account and their right to collect. I have requested by certified mail on XX/XX/2021 without an answer back. I have filed a HIPPA violation in the attachment. 
XXXX XXXX XXXX Account number XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
After consummation of the XXXX XXXX XXXX, I learned that I was not Clearly and Conspicuously disclosed of my Right to Rescind. 
After certified mail delivery of my Notice of Rescission, the creditor did NOT reimburse the obligor. Instead, their was no legitimate response. I was told via recorded telephone call, that " I can not rescind the loan. Rescission applies only to houses. '' They did not mail this response as they said they would. Also to mention, the right to rescind is applicable to ALL consumer credit transactions. Please see XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ). 

The XXXX days for their reimbursement period has well past. A remedy is now demanded.

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 2021-11-23 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/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX 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  ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
On XXXX different occasions XX/XX/XXXX and XX/XX/XXXX I sent XXXX a letter disputing a derogatory mark on my credit from a company that has illegally bought my account from XXXX Bank, now LVNV has my personal information and can not provide me information with my original company. They have sent me the same generic letter twice explaining that it is not on my report. When I sent proof from their website that it is along with the dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disputed Experian to remove this address from my credit report because I never lived there and they refuse to remove it. The address that is showing on my credit report is XXXX XXXX XXXX XXXX fl XXXX I have sent in letters numerous of times and they refuse to remove address.

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 2021-11-23 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: MicroBilt / PRBC (formerly CL Verify)
State: IL

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Respected XXXX XXXX XXXX XXXX XXXX XXXX citizen and I have experienced serious health issues during the pst several months including XXXX and other XXXX and XXXX problems. Im on bed rest and in critical situation however these people of capital one are harassing me as Im a XXXX XXXX  citizen and ive no financial means at all. My payment history and everything is excellent as I couldnt no longer monitor and handle my accounts so I had to close then all and I dont know if i will stay alive. I sincerely urge that this financial institution waives my balance or whatever is owed XXXX $ or something which they are saying as i paid everything and they harshly accumulated interest on me as account was closed. Please waive this capital one account with XXXX balance as I cant do anything. I appreciate as Im a XXXX XXXX  citizen and in a really unhealthy XXXX condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Originally it was a transaction dispute. The bank and I discussed me getting a new replacement debit card. I explained it needed to be rushed delivered because XXXX day was approaching. I didn't know it would be the very next day. XXXX came rung doorbell once and didn't give me time to get to the door they left a door tag. I immediately called XXXX and they explained it would a second attempt then would go back to sender. Few days go by and I decided to go to the local bank. The bank tells me they don't have a debit card for me and to call XXXX back. I call XXXX back and they're telling to go pick up card at a drop-off in XXXX. I go to XXXX and they're telling me they don't have it. Then I call the bank back. By this time I'm livid because of the run around. I was hung up on numerous times by bank representative. I have called the bank numerous times and finally I get debt card yesterday. It took XXXX weeks for me to get and when I tried to activate card it's been reported lost or stolen a dead card. I call to find out what happened. I was rudely hung up on again and still don't have my debit replacement card.

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