vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-17 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: MI

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

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

15 U.S.C 1681 Section 604 A Section2 ; It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I HAVE FILED A DISPUTE WITH CREDIT BUREAUS AND THEY ARE IGNORING MY REQUEST. I ALSO SUBMITTED A POLICE REPORT TO THE CREDIT BUREAS AS WELL FOR THE IDENTITY THEFT THAT WAS OCCURED.

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 2022-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CO

Complaint narrative:
I called the Company in XXXX. I first contacted XXXX XXXX in which i was able to find out my last account with them was in XXXX and nothing since that time. I have not had service with team mobile over 14 years. further investigation team mobile has not been on my account per credit reporting for over 7 years. The company who obviously bought the debt is claiming this is a new debt as of XXXX. I have not received a original bill from them nor have I received anything in the mail pertaining to this debt they claim i owe. I called them and i requested information and i also informed the company this is a XXXX XXXX XXXX debt and per my rights and the fair credit reporting act this needs to come off my credit or a ful original documentation of the so called owed bill needs to be sent to me in its original form with accurate dates.this report as i look back in my credit reports have not been on my report for XXXX, XXXX, XXXX nor XXXX till XXXX. it creadit a negative impact at the time of purchasing a home, if this does not come off i will contact my attorney and follow pursuit in this matter, i am allowed a investigation in the matter free of chart per the fair credit act, this violates my rights in the XXXX to XXXX reporting I have also called XXXX XXXX  again for a report of my statement at of XX/XX/XXXX at XXXX if this again is not corrected i will pursue further actions

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 2022-05-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been contacting all three credit agencies for disputes with information being reported on my credit report for over a year now starting in XXXX of XXXX. I have also disputed incorrect account information with the original companies. XXXX accounts in particular have not been resolved, XXXX XXXX, and XXXX XXXX XXXX. I have sent in every single document required including proof of identity and documents to dispute these accounts and to date the only response I have ever received from all XXXX agencies is the same generic response. I have only received emailed responses from Experian stating my disputes are now open, we are working on your disputes and they should be completed by this date, your disputes are now closed. Every response is the same and they always result in the same thing stating, " The account has been verified as accurate however, the account may have been updated ''. From my initial dispute starting in XXXX of XXXX I received NO response from anyone. A second dispute was sent 2 months later and again no response. Demand letters were sent around XXXX and again the only response was the same listed above. I sent the attached dispute letter and all required documentation again asking for a complete investigation, proof of investigation, documentation, etc..and once again I got the same generic responses and nothing else from any of the agencies. They are violating the FCRA and have failed to comply with requests and complete thorough and factual investigations. Per the laws they should have removed the negative items disputed immediately after failing to respond within the 30 day time limit, and failing to respond several months after. The last dispute demand letter was sent in XX/XX/XXXX and the tracking numbers are, XXXX, XXXX, XXXX. These accounts need to be deleted immediately due to FCRA and law violations. Furthermore, I have never received any letters or response from XXXX XXXX XXXX as well. I only knew about the account due to checking my credit report. They are damaging my credit for the same XXXX Account that I have been disputing.

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 2022-05-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient lied to me about my XXXX XXXX plan status with XXXX and cohersed me over the phone into agreeing to a forbearance. They initially contacted me via email on XX/XX/XXXX stating my XXXX plan was set to increase on XX/XX/XXXX. By XX/XX/XXXX they sent me a bill stating I owed them {$210.00} with additional unpaid fees of {$41.00} due on XX/XX/XXXX. My payment amount for many years has been {$0.00} as I have not had income. I am currently unemployed and my payments should still remain {$0.00}. I checked with XXXX and their system informed me that my XXXX XXXX plan was not due to rectify until XX/XX/XXXX. When I spoke to a Navient representative over the phone they told me I had no choice but to agree to a forbearance and in order to make the account current. They stated I would need to resubmit my XXXX form with them directly ( not though StudentAid.gov ) in order for my account to reflect my XXXX. I was told I had to go to ( XXXX XXXX XXXXXXXX ) fill out the form and submit it through their own website upload link ( XXXX XXXX XXXX ) in order to even qualify for XXXX. Even though it states on their own website " Income-Driven Repayment Plan Request form Only upload if you didn't submit your request at XXXX ''. 

None of the information the representative was giving me was correct and they were denying any existence of my current XXXX XXXXXXXX status. It is my understanding that they are lying to consumers, charging late fees and misleading them to agree to a forbearance. The representative informed me I had to choice and my account would further become delinquent if I did not agree to their terms. Furthermore, the representative told me that even if I resubmitted my XXXX form it would take 21 days for them to apply any changes, which would further result in delinquency. Navient 's deceiving tactics in forcing customers into forbearance is unlawful and needs to be address ASAP. It seems there is a lot of literature online about this company doing this to many loan holders. Navient has done this to my many times over the past few decades, and unfortunately until know I was unaware of their unlawful practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I DO NOT HAVETHIS CREDIT CARD AND I DON'T EVEN KNOW WHAT KIND OF CREDIT CARD IT IS. i HAVE NEVER HAD THIS CARD. I RECEIVED THIS LETTER XXXX XXXX. from Comenity Bank. This letter was sent to my relatives address ( XXXX XXXX XXXX, XXXX MA XXXX ) with my name. It states that my account # for my XXXX card has changed and my old account # will not work after XXXX. It states " Here is your new account # XXXX You can start paying your bill with this new account # right away '' Today, XX/XX/2022, I called the phone # XXXX. I told the woman on the phone that I do not have this credit card and NEVER had this credit card and to please remove me as I do not have an account. She asked for my Social Security # and my Date of Birth. I told her I was not comfortable giving out that information. I gave her My name and the account # they gave to me. She demanded my Social Security # and Date of Birth again. I told her they shouldn't need it because here is my name and account #. She became irate and told me she was ending the call. She continued to ask for my SS # and D.O.B. I told her I will report to the XXXX. she hung up. 
I have filed a complaint today with the XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent this affidavit to all XXXX credit bureaus & they have all ignored my complaints. This is starting to get ridiculous & I need this information deleted expeditiously

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 2022-05-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent this affidavit to all XXXX credit bureaus & they have all ignored my complaints. This is starting to get ridiculous & I need this information deleted expeditiously

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 2022-05-17 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: Lewis, McDonnell & Associates
State: KY

Complaint narrative:
On XX/XX/XXXX, I became aware of an account that was opened with the fraudulent use of my name and SSN. This account originated at XXXX XXXX XXXX in XXXX XXXX XXXX, Nevada, as a lease agreement with the owner of the account being XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, UT, XXXX. The original account number was XXXX, opened on XXXX, XXXX. This account was purchased by Lewis, McDonnell and Associates on XX/XX/XXXX, and the account number was changed to XXXX. Because I was not, and have never been, associated with the address and phone number used by the person opening the account, I didn't know anything about it until it showed up on my credit report. I have had an active fraud alert on my credit reports since XXXX, XXXX, as well as a credit freeze, so it is apparent that no credit check was run. I initiated a dispute with XXXX on XX/XX/XXXX, and with XXXX on XX/XX/XXXX. I also notified Lewis, McDonnell and Associates that this account stemmed from identity theft. I have filed a police report as well, and will be sending copies of that along with proof of identity and residence to Lewis, McDonnell and Associates, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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 — Problem with personal statement of dispute
Company: PNC Bank N.A.
State: DC

Complaint narrative:
XXXX is reporting my score at XXXX after it was showing at XXXX in XX/XX/XXXX. The drop does not reflect the ontime payments or the age of the deragatory marks which are more than XXXX XXXX XXXX. Furthermore, all the accounts have been settled during Covid with XXXX balance. The only loan is mortgage - a basic of the average american. That loan is paid every month as per schedule with taxes. 

Th credit score has fluctuated more than XXXX points from XX/XX/XXXX which is a blatant misuse and breach of personal financial information. It belies the fact that I have been able to obtain rental housing, have XXXX jobs in XXXX XXXX XXXX  all of which require both : background check and credit score. 

XXXX is accessing information and sharing it indiscriminately during Covid and the economic crisis at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
XXXX is reporting my score at XXXX after it was showing at XXXX in XX/XX/XXXX. The drop does not reflect the ontime payments or the age of the deragatory marks which are more than 7 years old. Furthermore, all the accounts have been settled during Covid with XXXX balance. The only loan is mortgage - a basic of the average american. That loan is paid every month as per schedule with taxes. 

Th credit score has fluctuated more than 100 points from XX/XX/XXXX which is a blatant misuse and breach of personal financial information. It belies the fact that I have been able to obtain rental housing, have 3 jobs in XXXX and XXXX  all of which require both : background check and credit score. 

XXXX is accessing information and sharing it indiscriminately during Covid and the economic crisis at this 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 2022-05-17 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: AR

Complaint narrative:
Congress enacted the FCRA in 1970 to ensure the confidentiality, accuracy, relevancy, and proper utilization of credit reports. 15 U.S.C. 1681 ( b ). 

I filed a certified dispute with XXXX and it was mailed on XX/XX/XXXX, and XXXX received the letter on XX/XX/XXXX. In this complaint I requested that only my name, XXXX XXXX, be listed on my credit report to reflect accurate reporting and I produced a State issued driver 's license as proof of identification and XXXX is still reporting XXXX XXXX XXXX on my credit report as a former name which could lead to fraud because there are so many XXXX XXXX. I request that this information be removed or masked. This letter also included a dispute of bankruptcy information reported by XXXX, which included a XXXX XXXX Account which is closed which indicates that it is a bankruptcy account. XXXX has no permissible reason to report information, does not have my written consent to report and in fact I have opted-out of XXXX at least twice. The bankruptcy court does not report information to any agency. This is an infringement on my right to privacy and continues to oppress me and is discriminatory. 

In addition, I mailed a certified letter on XX/XX/XXXX, requesting that XXXX send me the Sources and Report Recipients for Report # XXXX and " Description of Procedures for Reinvestigation '' for XXXX and all other disputed information ; XXXX received this request on XX/XX/XXXX. I received a letter today from XXXX saying that I can request a Description of Procedures for Reinvestigation for the disputes related to report # XXXX. XXXX has five days to provide this information to me and has failed to do so.

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 2022-05-17 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: LEXISNEXIS
State: AR

Complaint narrative:
Congress enacted the FCRA in 1970 to ensure the confidentiality, accuracy, relevancy, and proper utilization of credit reports. 15 U.S.C. 1681 ( b ). 

I filed a certified dispute with XXXX and it was mailed on XX/XX/XXXX, and XXXX received the letter on XX/XX/XXXX. In this complaint I requested that only my name, XXXX XXXX, be listed on my credit report to reflect accurate reporting and I produced a State issued driver 's license as proof of identification and XXXX is still reporting XXXX XXXX XXXX on my credit report as a former name which could lead to fraud because there are so many XXXX XXXX. I request that this information be removed or masked. This letter also included a dispute of bankruptcy information reported by LexisNexis, which included a XXXX XXXX Account which is closed which indicates that it is a bankruptcy account. LexisNexis has no permissible reason to report information, does not have my written consent to report and in fact I have opted-out of LexisNexis at least twice. The bankruptcy court does not report information to any agency. This is an infringement on my right to privacy and continues to oppress me and is discriminatory. 

In addition, I mailed a certified letter on XX/XX/XXXX, requesting that XXXX send me the Sources and Report Recipients for Report # XXXX and " Description of Procedures for Reinvestigation '' for LexisNexis and all other disputed information ; XXXX received this request on XX/XX/XXXX. I received a letter today from XXXX saying that I can request a Description of Procedures for Reinvestigation for the disputes related to report # XXXX. XXXX has five days to provide this information to me and has failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: AC AutoPay LLC, Denver, CO Branch
State: CA

Complaint narrative:
XXXX XXXX alerted me to a " high probability '' of getting a new loan to refinance my car with AUTOPAY ( an affiliated company? ). Then after confirming my information ( identity, car ) they called me to say that I am qualified for the loan then rattled off the loan, interest rate, monthly payment. The monthly payment was HIGHER and so I said, no. I don't want the loan and the customer service person raised his voice at me and said " I MUST TELL YOU ABOUT ALL THE PRODUCTS YOU HAVE BEEN APPROVED FOR ... '' and went on to tell me that I was approved for their monthly oil change service, which was conveniently added to the LOAN and though he wanted to tell me MORE I said no. This is FRAUD. They were using my personal information to entice me to apply for something I DID NOT WANT NOR ASK FOR. This is fraud. Both XXXX and AutoPay should be punished and all those they defrauded should be compensated. They colluded to commit fraud upon me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On my Transunion report, the account from XXXX XXXX XXXX  is shown as open, but on everywhere else that pulls my transunion credit report, it shows as closed. Im not sure whether to report XXXX XXXX XXXX or report transunion. The account is OPEN

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 2022-05-17 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: LEXISNEXIS
State: VA

Complaint narrative:
I contacted lexis nexis to dispute items they are reporting are inaccurate and they are providing this inaccurate information to the credit bureaus. They have refused to verify this information because they are unable to. I contacted the courts and they stated they did not provide any information to lexis nexis lexis nexis just search their portal so they dont no if its accurate or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: MI

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

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

15 U.S.C 1681 Section 604 A Section2 ; It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17 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: MI

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

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

15 U.S.C 1681 Section 604 A Section2 ; It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation