vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC
State: GA

Complaint narrative:
This collection suddenly appeared on my credit report at the beginning of this year with an open date of XX/XX/XXXX, with XXXX XXXXXXXX XXXX as the original creditor. Again, I don't live in XXXX, and I have not lived there for more than XXXX years. Unsure how an account will be open this year for medical debt in XXXX when I live in XXXX 

Because of my previous complaint, I received a document from CASCADE CAPITAL FUNDING stating I owe {$1400.00} for services given on XX/XX/XXXX. What was that for? Prior to this collection appearing on my reports, I had never been contacted by anybody about such an account existing. Where is the original bill from the original creditor? So many questions regarding an account that magically pops up in XXXX for services that you are saying were given in XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
I requested to XXXX XXXX courts to have a eviction removed from my record and the judgement came back as granted for the record to be sealed and not given to landlords as information on background. However the company fabco provided information to a landlord in regards to the eviction and when I contacted them to request that it be removed they stated they could not do that, even after I provided them with the information and documents from the courts. I am asking that this information not be given to landlords or property management companies on my behalf due to not being able to rent a home because of this, my children and I are on the verge of being homeless in a week.

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 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXXi is reporting late for XXXX. Payment was made as well as they are offering me a XXXX. 
On my XXXX statement the late fee was waived due to an error. I would like this status corrected. Experian, XXXX and XXXX need to be corrected immediately.

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 2024-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was informed that my account was closed due to Citibank 's decision. Consequently, my online banking access was also terminated. However, upon speaking with a representative recently, I was told that my account is still not closed and is currently under investigation. 

I am puzzled as to why this investigation is taking over a month, especially since the funds were cleared immediately. Additionally, I was told that once the investigation is concluded, it would take another 30-60 days to close the account. This does not seem fair, as I have already been without access to my funds for over 45 days. Could you please provide clarity on this matter and expedite the resolution process? 

-- - Let me know if there are any other details you'd like to include.

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 2024-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: LA

Complaint narrative:
I collection notice showed up on my credit report from XXXX XXXX XXXX XXXX ( XXXX ). They said it was under a landlord agreement signed in XXXX. I have not owned or lived at that property since XXXX and I think it has been sold since. I don't remember signing an agreement as I would have been out of the country. They say that if I never cancelled said agreement them I am responsible for the bill which was for an account opened in XXXX. 

I don't think it's at all fair that they never reconfirmed an agreement, if it even exists, in the almost 20 years since they report it went into effect. They have said it shows on their records and was never cancelled. 

How is it possible that I can be responsible for an unpaid utility debt on a property I have not owned in at least 20 years. I cancelled the account I had when I moved from the property and have not had a single communication from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am requesting an investigation and dispute of these accounts as they have been wrongfully reported on my credit file. Under the Fair Credit Reporting Act, I am entitled to {$1000.00} for each incorrect report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: F.H. Cann & Associates, Inc.
State: TX

Complaint narrative:
I received a letter from F.H. Cann & Associates claiming I owe {$3300.00}. I think they have been calling according to my wife, whom as asked them to stop on numerous occasions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Collection Bureau, Inc.
State: IN

Complaint narrative:
Never received notification of collection. I was not able to dispute the legitimacy or amount of the collection. Never received written communication and never received a phone call because they had the wrong number. I never received anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have recently paid off my truck loan. I have called 4 times to get my title sent to me. 
I have been told different things each time I call. I have explained that living in Illinois we are not a title holding state and they need to send me the title. I have not been able to resolve this by calling, and as of today they will not send out my title. I paid for this title when the truck was purchased, and expect the title to be sent. As of now, I have no title for a vehicle that has been paid in full, early, and I am unable to sell the vehicle.

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 2024-07-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I received an email inviting me to submit an application of school misconduct on the basis that I'd previously contacted my servicer ( Navient ) about discharging XXXX private loans opened during the period of time that I attended XXXX XXXX  ( i.e., XXXX  XXXX  ) in XXXX XXXX. XXXX subsequently closed due to being found guilty of defrauding and misleading the public about their job placement rates and amount of money their students would earn compared to students attending other schools. My application was denied stating that I did not meet criteria to have my loans discharged. I contacted Navient about getting a better explanation of the criteria that I did not meet. After several rounds of contacting them, I was finally furnished a letter which stated their was no evidence that I was harmed despite me submitting evidence that my federal loans opened by this school was fully discharged based upon my attendance during the years that XXXX XXXX was found guilty of misleading practices. The school that I attended used high pressure tactics to lure me into XXXX private high variable rate loans that I have been stuck paying on 20 years later and have not defaulted on because I am conscious of my credit. The loans that I opened were approximately XXXX, and XXXX respectively. Today, I have a balance greater than XXXX, yet Navient says there is no evidence of harm. Navient decided to forgive student loan debt for certain XXXX XXXX borrowers but only if they defaulted on their loan. I was not apart of that group because my loan was current. I have attempted to get someone to contact me to help with me appealing the denial. The contact phone number to the Navient Client Advocacy team is never answered by a live person. It is a voicemail box that requires borrowers to leave a message and wait for someone to call you back. This almost never works out if they call you back at all. I have been attempting to resolve this issue for a few months. I think the decision was baseless and unfair. Navient has already demonstrated their awareness of the fact that XXXX XXXX defrauded borrowers with loans that they service ; however, they are unwilling to do the right thing by borrowers who continue to pay on these bad loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please investigate this information, they are wrong. 

Account Name : XXXX Account Number : 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 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please investigate this information, they are wrong. 

Account Name : XXXX Account Number : 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 2024-07-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: NY

Complaint narrative:
Charged me XXXXUSD per month for 12 months, Then charged me XXXXUSD per month for 7months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I called experian due to there is a company that pulled my credit and created a hard inquiriy. They neither had my permission or a permissible purpose. This is a violation of the Fair Credit Reporting Act. I asked them to investigate and remove this fraudelent inquiry and they refused. They refuse to investigate which is a violation of my rights under Fair Credit Reporting Act. I want this fraudelent, unauthorized inquiry investigated and removed from my credit report. I have listed the inquiry and date below, I am including a copy of my identity theft report as well. Please have them follow the law and remove the below inquiry. XXXX XXXXXX/XX/year>

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 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Fraudulent inquiries are on my report that resulted from identity theft. I have notified Experian and provided my identity theft report but the inquiries are still on my 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 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : Here is the personal information that I never consented to or provided written consent to report : List all personal information want deleted :. 
Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted. 
Adjust accordingly if there is no inquiries or personal information to be deleted "

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 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These accounts have been erroneously reported on my credit file, and I am exercising my right to dispute and investigate them. According to the Fair Credit Reporting Act, I should be compensated {$1000.00} for each error.

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 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I sent a certified letter to all XXXX bureaus asking them to correct the accounts that are reporting inaccurate information. I disagree with the accounts listed below, which still appears on my credit reportes, even after your investigation. The accounts below are reporting inaccurate, and hurting my ability to obtain obtain credit and housing, amoung other things. XXXX failed to investigate these accounts properly, after repeatedly asking to have these accounts updated or deleted. XXXX, has once again violated my consumer rights. Im demanding a deletion of the following accounts. 

XXXX XXXX Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX XXXX ( formerly known as XXXX ) Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX -- XXXX XXXX Account # : XXXX -- XXXX Account # : XXXX XXXX Account # : 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 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I sent a certified letter to all XXXX bureaus asking them to correct the accounts that are reporting inaccurate information. I disagree with the accounts listed below, which still appears on my credit reportes, even after your investigation. The accounts below are reporting inaccurate, and hurting my ability to obtain obtain credit and housing, amoung other things. XXXX failed to investigate these accounts properly, after repeatedly asking to have these accounts updated or deleted. XXXX, has once again violated my consumer rights. Im demanding a deletion of the following accounts. 

XXXX XXXX Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX XXXX ( formerly known as XXXX ) Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX  Account # : XXXX XXXX XXXX XXXX  Account # : XXXX -- XXXX XXXX Account # : XXXX -- XXXX  Account # : XXXX XXXX Account # : 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 2024-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX

Complaint narrative:
I received a letter from Continental Services Group LLC claiming I owe {$230000.00} and offering settlement options. I think they are the same company who have been calling according to my wife, whom as asked them to stop on numerous occasions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining. 
"

Company response to consumer: Closed with explanation