vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-26 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 have tried and tried and tried, both XXXX XXXX XXXX XXXX and Experian continue to ignore my requests to update my credit file with valid and accurate information which is a violation of both FCRA and FDCPA. XXXX XXXX XXXX XXXX continues to furnish inaccurate information. Derogatory information may only be displayed for a maximum of 7 years. My account first went delinquent in XXXX of XXXX when XXXX laid me off therefore making XX/XX/XXXX seven ( 7 ) years and yet XXXX continues to supply ND to the credit bureaus. Experian is in violation as they have failed to properly handle this investigation and re-investigation even though I have supplied them with the report they sent me which clearly states XX/XX/XXXX. They continue to simply give me the run around claiming XXXX validated their position. Well what about mine? What about fact? This is illegal for both of these entities to be reporting inaccurate and outdated information. Under federal law I have the right to dispute inaccurate information in my credit file. XXXX XXXX XXXX XXXX has failed to properly investigate and has not provided me a substantiated review of their findings during this investigation. Experian 's website will not allow me to submit additional or supporting documentation and the statement I have requested Experian to place on my credit file also has been ignored. Experian has grossly mishandled this investigation and continues to ignore my dispute.

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 2022-01-26 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: MO

Complaint narrative:
I received the copy of my credit report and found inaccurate information, there are late payments showing when I am not really late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: EOS Holdings, Inc.
State: PA

Complaint narrative:
Hello, I have recently noticed fraudulent activity on my credit report. I believe I am a victim of identity theft. There are accounts on my report that I did not authorize. I have a security freeze and should have been notified before my information was ran. These fraudulent items are reporting inaccuracies to my which are affecting my relationship with creditors. Please investigate these matters and remove the disputed items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have a recurring monthly check automatically sent by the bank to my church. On two occasions, the check was stolen from the bank 's mailbox and ( somehow ) cashed. I only found out about this much later, when reviewing my annual contribution statement from the church. 

I notified Capital One, who proceeded to tell me that there was no evidence of fraud -- sending me a photo of a completely different check, lacking an endorsement, as evidence that there is no fraud. As they failed to find fraud, they denied my claim. 

There is no means to appeal to ask for clarification once a claim is denied, despite the bank failing to properly and adequately investigate my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I looked on my credit report and as well as my name someone else name is on my credit with different address, phone numbers, and as well as mine and inquires on my account that i did not authorize that is under the other persons name but on my 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
Consumer complaint received 2022-01-26 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: DriveTime
State: TX

Complaint narrative:
I looked on my credit report and as well as my name someone else name is on my credit with different address, phone numbers, and as well as mine and inquires on my account that i did not authorize that is under the other persons name but on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these 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
Consumer complaint received 2022-01-26 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: CA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. XXXX ( XXXX XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. Below I have highlighted in yellow boxes of inaccurate information that is being reported on my credit report. I have also attached a picture of my Drivers license and social security 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
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I received a letter in the mail regarding a fraudulent account for Great Lakes with an outstanding amount of {$8000.00}. I have no knowledge of this account. Please investigate and delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY

Complaint narrative:
I woke up this morning and noticed XXXX removed CONSERVE collections from my credit report which is admission to liability so in fact they were TOGETHER in undermining my confidence and ruined my eligibility to an FAIR AND ACCURATE CREDIT HISTORY in ALL OF THE PARTYS ABOVE IS IN VIOLATION of CONSUMER RIGHTS by removing the false and deceptive information. XXXX XXXX XXXX ALSO basically admitted to selling the debt to a collection company which is against FEDERAL LAW FINANCIAL INSTITUTIONS CAN NOT EXTEND CREDIT OR GIVE 3rd PARTIES PRIVATE CONSUMER SERVICES NFORMATION THIS IS A VIOLATION OF CONSUMER PRIVACY UNDER U.S.C. I DEMAND REMEDY FOR THE VIOLATIONS COMMITTED AGAINST A FEDERALLY PROTECTED CONSUMER. I DEMAND {$1000.00} per violation or will go public with LAWSUIT. INVOICE IMMEDIATELY. 

** VIOLATIONS ** 15 USC 1692c ( b ) 15 USC 1692d ( 1 ) 15 USC 1692e ( 1 ) 15 USC 1692e ) 2 ) 15 USC 1692e ( 2 ) ( 10 ) 15 USC 1692e ( 2 ) ( 14 ) 15 USC 1692 ( f ) ( 1 ) 15 USC 1692g ( c ) 15 USC 1692 ( h ) 15 USC 1692j ( a ) 15 USC 1692j ( b ) 15 USC 1692k ( a ) 15 USC 1692k ( 2 ) ( a ) 15 USC 1692i ( c ) 18 USC 1006

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
Medical services through XXXX XXXX for blood work. I have sent XXXX XXXX proof of payment. 

I have blood work done regularly. Last appt, at check in, the admin advised that they couldn't do the blood work unless I paid. I showed her the cancelled check which she notated in the file. I also told her that I sent a copy of payment to XXXX XXXX. She acknowledged that they are notoriously slow in crediting accounts and that they do not hesitate to refer to collection agency. She told me that I may need to get a lawyer to get them to stop. Payment was made and check was cashed- see attached - and they continue to send me dunning notices and they have now affected my credit rating. I subscribe to a credit protection service.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Resource Systems, Inc
State: GA

Complaint narrative:
XXXXUNITED RESOURCE SYSTEM sent me a itemized computer printout of a hospital bill which is not legal validation Per FDCPA and never presented a HIPAA waiver letter bearing my name and signature. XXXX XXXX  XXXX never sent me any validation and are in violation of the same laws and has exposed my PHI if this be my debt which violates Gas Privacy Act. Please have these two medical collections removed from ALL CRA reporting for it is preventing me from approval of available financing. These XXXX refuse to legally validate and the CRAs XXXX, XXXX, XXXX. continue to validate after reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: MO

Complaint narrative:
I received the copy of my credit report and found inaccurate information, there are late payments showing when I am not really late on 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
Consumer complaint received 2022-01-26 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: SC

Complaint narrative:
Someone opened an account in my name from a company called XXXX. The account isnt mine is why it was thrown out of court. Two of three credit bureaus have removed it off my credit. Experian refuses to remove this off my credit even though it isnt mine.

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 2022-01-26 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 have contacted Experian multiple times regarding inaccuracies in my credit file in addition to their constant reporting of " Too many Consumer Finance Company Accounts '' and which of my creditors all of a sudden has started to trigger this comment to be placed in my file. 

Experian continues to ignore my request and continues to not give me a straight answer. This comment use to never be there and all of a sudden has appeared. If they are placing information in my file they are obligated to tell me why or which creditor and they refuse to do so. 

I have also requested a personal statement to be added to my credit file and this too has failed to be completed.

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 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The following inquiries are unauthorized : 1. Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX return but youve got to do it whenever you have a part theres no way around it now I know youre asking about disregarded entities to chill out Im trying to build a baseline XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX Inquiry date : XXXX XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time.

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 2022-01-26 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: CL Holdings LLC
State: OR

Complaint narrative:
Jefferson Capital Systems LLC They continue to renew the date on the debt in question. 
The latest date renewed on XX/XX/2022 from a previous date. 

This keeps bringing my credit score down every time they change the date to a newer one.

I have disputed the validity of the debt and have requested any documentation of Oral agreement, Written contract, Promissory note or Open-ended accounts. 

They have not responded to my emails or written letters requesting documentation. 
I have also requested for them to remove the debt in question from my credit report, which has obviously not happened. 

They claim that I have an open balance of {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I checked my personal Equifax credit report on XXXXNoticed that this unauthorized inquiry had been made : XXXX XXXX  XXXX XXXX. XXXX XX/XX/XXXX -XXXX XXXX  XXXX XXXX. XX/XX/XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX I contacted ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ). who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
I am writing this letter to open a claim in regards to Southwest Credit Inc. I have initially received a letter regarding an alleged debt from this company in XXXX XXXX XXXX. I responded in XXXX and XXXX via Certified Receipt Return Request letter to dispute to alleged debt. Under the the FCRA as a furnisher of information said information that is reported in my credit file should be accurate and without malice to destroy my financial wellness. I asked for Southwest as a furnisher of data produce a contact pursuant to the FCRA. Under the FDCPA this company has failed upon multiple attempts to provide information within a timely matter, just submitting copies of a bill of phone numbers that do not belong to me really question the validity of this debt. Especially since I am a XXXX  customer during the time of the statements with a different phone number and I remain a customer with XXXX  since XXXX. This account is frivolous and I demand information of this account because I have had a valid account with this company and continue to have an open active account. Why would XXXX  allow me to have a duplicate account? I am looking forward to Southwest producing items other then a billing statement to prove that the account is mine. The validity according to the FDCPA is disputed as the amount of debt and the original creditor with address is not provide/within the statement submitted to me on XXXX.

 809. Validation of debts
(a) Notice of debt; contents
Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt 
collector shall, unless the following information is contained 
in the initial communication or the consumer has paid the 
debt, send the consumer a written notice containing
(1) the amount of the debt; 
(2) the name of the creditor to whom the debt is owed; 
(3) a statement that unless the consumer, within thirty days 
after receipt of the notice, disputes the validity of the 
debt, or any portion thereof, the debt will be assumed 
to be valid by the debt collector;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX/XXXX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. After doing research, Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed now. The inaccurate information is preventing me from getting approved for the things I need to have and causing me to pay higher than necessary interest rates. My information was also impacted by the XXXX data breach and may have got in the hands of the wrong person. I will file for litigation if I have to. Please resolve the issues with 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 non-monetary relief
Consumer complaint received 2022-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
PenFed has broken the law pursuant to the TRUTH-IN-LENDING ACT, EQUAL CREDIT OPPORTUNITY ACT, FAIR CREDIT REPORTING ACT and FAIR DEBT COLLECTIONS PRACTICES ACT. I have been denied credit which is against the law pursuant to the Equal Credit Opportunity Act. I have been denied my right to my open ended credit plan pursuant 15 U.S.C. 1602 ( ( j )

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