vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-08 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:
There's no such thing as a late payment Because the account was paid in full the moment my credit card was accepted ( 15 USC 1602L ). 
The following account XXXX - XXXX is an authorization of approval of an extension of credit that is deprived from my credit card which is my social security card and has to be removed according to federal law. 
I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave You, EXPERIAN OR XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. EXPERIAN has caused severe stress and anxiety due to the abusive and unfair practices. 
The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 

Best Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved

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 2022-03-08 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: LA

Complaint narrative:
I have been trying to get XXXX and Equifax to resolve the issue on these two accounts. I have complaint about the HIPPA privacy violation and have complainted to XXXX for their assistance. I am continue to receive calls about my medical condition wich is againt the HIPPA law. I have also filed complaints with CFPB and directly with XXXX and Equifax and as of today no resolution. Please comply with my request. I have no knowledge of these accounts. I have no record of these accounts ; therefore, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. I am requesting full validation for the following account names as it appears on my XXXX credit report : DISPUTED ACCOUNTS 1. XXXX XXXX XXXX Account number XXXX 2. XXXX  XXXX XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I never signed any documents for the companys to view my credit history. nor signed for a 3rd party debate collector to view my credit -LVNV XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Global Asset Management Group, Inc.
State: CA

Complaint narrative:
On several occasions I have advised they can not call my place of business I work in a XXXX XXXX They continue to call over and over every day my place of employment. 

I verbally spoke to someone who called me 8 times in a row on XXXX, they would call I would disconnect, they would call back and did this for 8 times in a row at my place of employment. 

On XXXX I received a message from them AGAIN on my work voice mail. 

I have asked several times for them to mail me my statement showing me all the payments I have made so far and they refuse and just keep calling my work. It needs to STOP immediately.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Check Resolution Inc.
State: CA

Complaint narrative:
I just received an email saying that I owe {$3000.00}. The account says XXXX XXXX which I have never heard of and that the account was opened in 2019 in XXXX. 1 ) I have not been to XXXX in 2019nor did I open any account in 2019.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I noticed this data on my credit report. I called this company several times, but they could never find my name or account. They are still reporting this as a collection, but have never received any communication from them, yet they claimed it's verified, but I have no proof that this account is actually mine. 
Initial complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: OH

Complaint narrative:
I recently reached out to the three credit reporting agencies in regards to removing XXXX XXXX off my credit report because of the inaccuracy and the erroneous it have allowed this creditor to report, I submitted numerous times in writing through via mail ( see proof of receipts ) attached. I also have submitted direct dispute through there online portals with each CRA and nothing have got resolved, as a consumer I have the right to dispute anything on my credit report that doesnt appear to be accurate, so after challenging these CRAs I received correspondence from the creditor on XXXX XXXX stating that they have sold the car and that the car been in they possession since XXXX XXXX and I provided the CRAs that letter as well waited for an additional 30days only to be told that the direct furnisher was handling dispute personally after they said the information/ account was verified accurate, I checked my personal information that was associated with this account and none of the personal identifiers reflect my credit profile information so how can you say this account is accurate if the information used to associate me with this account is not there? How did yall verify this information? this lead me to conclude all three credit reporting agencies have violated the FCRA laws for being non compliant and allowing this furnisher to continue to report and should dealt with. After numerous times reaching out trying to get this debt resolved I was told the dispute wouldnt be reinvestigate because of the information was verified accurate which is contradicting to XXXX XXXX  and all three credit reporting agencies. Not only have it put me at great risk but it also caused me to invest time l, energy and money during a pandemic that I did not have unfortunately, putting me and the integrity of my credit at great harm. I need this account to be removed ASAP.

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 2022-03-08 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: OH

Complaint narrative:
I recently reached out to the three credit reporting agencies in regards to removing XXXX XXXX off my credit report because of the inaccuracy and the erroneous it have allowed this creditor to report, I submitted numerous times in writing through via mail ( see proof of receipts ) attached. I also have submitted direct dispute through there online portals with each CRA and nothing have got resolved, as a consumer I have the right to dispute anything on my credit report that doesnt appear to be accurate, so after challenging these CRAs I received correspondence from the creditor on XXXX XXXX stating that they have sold the car and that the car been in they possession since XXXX XXXX and I provided the CRAs that letter as well waited for an additional 30days only to be told that the direct furnisher was handling dispute personally after they said the information/ account was verified accurate, I checked my personal information that was associated with this account and none of the personal identifiers reflect my credit profile information so how can you say this account is accurate if the information used to associate me with this account is not there? How did yall verify this information? this lead me to conclude all three credit reporting agencies have violated the FCRA laws for being non compliant and allowing this furnisher to continue to report and should dealt with. After numerous times reaching out trying to get this debt resolved I was told the dispute wouldnt be reinvestigate because of the information was verified accurate which is contradicting to XXXX XXXX  and all three credit reporting agencies. Not only have it put me at great risk but it also caused me to invest time l, energy and money during a pandemic that I did not have unfortunately, putting me and the integrity of my credit at great harm. I need this account to be removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: CA

Complaint narrative:
I submitted a dispute with Experian to remove XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX Phone : ( XXXX ) XXXX. This account is inaccurate and it should be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: GA

Complaint narrative:
Upon checking my credit I realized some fraudulent charges. So I went to FTC file an identity theft affidavit. I also sent information in to the collections agencies which seem to be ignored. So now Im sending my compliments to cfpb. The following account are XXXX  XXXX XXXX  account number XXXX XXXX  XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXXXXXX XXXX  account number XXXX All of the above listed accounts are fraudulent. Ive never done business with these companies or entered into A written contract with his company. 
please see attached FTC report which will be very clear so please dont say you cant see it as to what you keep sending back generic letters in the mail. please see proof of identification per FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: MI

Complaint narrative:
I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  XXXX Balance XXXX XXXX XXXX XXXXXXXX Balance {XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX BANKRUPTCY XXXX XXXX  XXXX Amount - BANKRUPTCY CHAPTER XXXX XXXX Amount XXXX XXXX XXXX Inquired on XX/XX/XXXX US SM BUS ADMIN ODA Inquired on XX/XX/XXXX US SM BUS ADMIN ODA Inquired on XXXX XXXX, XXXX Bankruptcy XXXX XXXX Amount : - Bankruptcy chapter XXXX XXXX Amount : Individual : Bankruptcy XXXX Amount - Individual : Bankruptcy XXXX Amount Individual : Bankruptcy XXXX Amount Individual : Bankruptcy XXXX Amount

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 2022-03-08 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: LA

Complaint narrative:
I have file this same domplaint many times with CFPB and XXXX have no knowledge of these accounts. I have no record of these accounts ; therefore, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. I am requesting full validation for the following account names as it appears on my XXXX credit report : I will to see documents showing the company has the right to collect under the Fair Credit and Billing Act. Additionally, 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. 


Collection accounts disputing XXXX XXXX XXXX  XXXX {$100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$140.00}

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 2022-03-08 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: LA

Complaint narrative:
I have been trying to get Experian and XXXX to resolve the issue on these two accounts. I have complaint about the HIPPA privacy violation and have complainted to XXXX  for their assistance. I am continue to receive calls about my medical condition wich is againt the HIPPA law. I have also filed complaints with CFPB and directly with EXPERIAN and XXXX and as of today no resolution. Please comply with my request. I have no knowledge of these accounts. I have no record of these accounts ; therefore, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. I am requesting full validation for the following account names as it appears on my Experian credit report : DISPUTED ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-08 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:
Upon checking my credit I realized some fraudulent charges. So I went to FTC file an identity theft affidavit. I also sent information in to the collections agencies which seem to be ignored. So now Im sending my compliments to cfpb. The following account are XXXX  XXXX XXXX account number XXXX XXXX  XXXX  account number XXXX XXXX XXXX XXXX XXXX} account number XXXX XXXX XXXX XXXX XXXX  account number XXXX All of the above listed accounts are fraudulent. Ive never done business with these companies or entered into A written contract with his company. 
please see attached FTC report which will be very clear so please dont say you cant see it as to what you keep sending back generic letters in the mail. please see proof of identification per 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 2022-03-08 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: GA

Complaint narrative:
Upon checking my credit I realized some fraudulent charges. So I went to FTC file an identity theft affidavit. I also sent information in to the collections agencies which seem to be ignored. So now Im sending my compliments to cfpb. The following account are XXXX XXXX XXXX  account number XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX} account number XXXX XXXX XXXX XXXX XXXX  account number XXXX All of the above listed accounts are fraudulent. Ive never done business with these companies or entered into A written contract with his company. 
please see attached FTC report which will be very clear so please dont say you cant see it as to what you keep sending back generic letters in the mail. please see proof of identification per 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 2022-03-08 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 2022-03-08 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:
This is a final complaint in regards to the multiple prior complaints on record which I filed with CFPB and numerous complaints of disputes via direct mail USPS for dates XXXX Present which remain entirely unresolved. 
Let this be seen by CFPB as a consistent trend by Equifax to ignore their legal obligation to consumers. I have retained the Legal Counsel XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Florida. 
Notice of intent to sue for not adhering to FCRA rules and regulations as a Credit Reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I feel very misled with the student loan information. I originally was with XXXX XXXX and then consolidated with Navient. At the time, it was presented as my only option. I think this was a very ill guided counselor who put me in this situation. It has caused unreal anxiety over the years with a sense of a never ending cycle of debt. I was quickly and easily presented the forbearance option when I called with financial concerns. I was not presented ramifications for the future. I finally was presented an income sensitive option after running about of forbearance time. Again, I feel like the counseling led to this path and I did not know it would disqualify me for my XXXX payments. No one ever told me about a qualifying payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have still yet to see Navy Federal fully follow the laws completely. I XXXX XXXX did get there response stating that they will CEASE & DESIST communication with me, however you still havent fully followed the laws laid out for you. THE FCRA Tells you that a consumer report is essentially the COMMUNICATION of information regarding a consumer. I XXXX XXXX AM THE CONSUMER. The FDCPA also defines what communication is 1. Telephone, 2. A letter in the mail, 3. Social Media, 4. Email, 5. A CONSUMER REPORT. They have not yet ceased all communication from step 1 to step 5 after i demmanded they cease & desist all communication with me or any third party company or agenc regarding my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation