vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX  are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: TX

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STERLING BANCORP
State: NY

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: DE

Complaint narrative:
I CONSUMER XXXX XXXX RECEIVED A RESPONSE FROM FROM NATION CREDIT ADJUSTERS IN REGARDS TO AN ALLEGED DEBT FOR {$1200.00} OWED TO XXXX XXXX. THE RESPONSE DOES NOT SHOW PROOF THAT I XXXX XXXX KNOWING AND WILLFULLY EXTENDED THIS CREDIT TRANSACTION. FURTHERMORE, THE ADDRESS LISTED ON THE PROMISSORY NOTE SHOWN AS EXHIBIT C IS NOT CORRECT. I HAVE NEVER LIVED IN TEXAS IN MY LIFE. SECOND, THIS ALLEGED DEBT IS FROM XX/XX/2015. TEXAS LAWS STATES THE STATUTE OF LIMITATIONS ON DEBTS ARE 4 YEARS. NOT ONLY IS THIS DEBT FRAUDULENT, BUT IT IS ALWAYS IN VIOLATION OF A STATE STATUE. LASTLY, NATIONAL CREDIT ADJUSTERS ARE IN VIOLATION OF 15 USC 1681M ( F ) 1. NO PERSON SHALL SELL, TRANSFER FOR CONSIDERATION, OR PLACE FOR COLLECTION A DEBT THAT A PERSON HAS BEEN NOTIFIED UNDER SECTION 1681C-2 OF THIS TITLE HAS RESULTED FROM IDENTITY THEFT. I AM 100 % WELL AWARE OF MY CONSUMER RIGHTS AND UNDER 15 USC 1611 ( 1 ) NATIONAL CREDIT ADJUSTERS ARE CRIMINALLY LIABLE FOR GIVING AND PROVIDING FALSE INFORMATION TO THE CREDIT BUREUS. I AM AWARE THAT UNDER SECTION 15 US 1640, NATIONAL CREDIT ADJUSTERS ARE NOW LIABLE FOR ALL ACTUAL DAMAGES BECAUSE THEY OWN THIS ALLEGED DEBT. THEY ARE NOW LIABLE FOR 2X OF THE FINANCE CHARGE WHICH IS {$1900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau of Carbon County
State: CO

Complaint narrative:
I recently had my credit pulled and found out that I have a collections account reporting that I have a past-due bill. I sent the company a validation request on XX/XX/XXXX. As of today, I have not heard anything back from them. I don't believe this debt is mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I received notification from my insurance provider that a claim was submitted and paid. I later learned that the service provider offered the claim incorrectly by submitting the claim to my wife 's secondary and primary insurance. I notified the XXXX XXXX group, which acknowledges their discrepancy and advised that the claim will be submitted correctly, and the collection agency reported to cease collection activity. I subsequently received a notice from XXXX continuing to collect and advising me to make payment with them. I disputed the amount owing report # XXXX with Experian. I submitted proof that the claim was paid via official documentation from XXXX XXXX XXXX with no liability owed as payment for the service is reduced. The service was done by a network provider and means the provider of service has agreed to accept the contracted amount, less any pricing changes due to modifiers that may have been submitted on the claim as payment in full. I spoke with an employee at Experian who confirms receipt of my uploaded documents. The employee states that the information was forwarded to the collection agency for verification. I then receive an alert that the investigation is complete and verified as accurate despite proof that the claim is paid and I have no liability for an additional payment. I have provided documentation to XXXX, Experian, and XXXX XXXX XXXX, and this negative debt remains on my credit report, adversely affecting my credit score. The debt should have never been placed in collection due to improper billing practices of XXXX XXXX XXXX, which acknowledges their error. I am also alarmed that when submitting proof of a paid claim to Experian, they are not also verifying the accuracy of the information. They are just forwarding documentation without verifying information and accepting the accuracy of the reporting agent of the debt. If Experian looks at the data, I submitted they would confirm that there is no liability. I am also a paying monthly consumer of Experian, and the services provided is appalling.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: IN

Complaint narrative:
My wife passed away on XX/XX/XXXX. When our son came for the funeral he didn't have a nice pair of dress pants to wear so we went to XXXX to get one. Due to COVID-19 could not try on pants so got 3 pants with different waist sizes so would have one that fit for funeral. After funeral, tried to return the extra 2 dress pants to XXXX but they were not taking returns at the time due to VOVID-19. 
On XX/XX/XXXX I called the issuer of the credit card ( US Bank ) at XXXX Option 6 and they marked the account deceased ( was in wife 's name ) on that date. 
After COVID-19 was more under control returned the extra 2 pair of pants to XXXX on XX/XX/XXXX. The refund was put back onto the cancelled credit card. 
Received refund check from Cardmember Service/Agent for U.S. Bank National Association for {$32.00} dated XX/XX/XXXX. It was made out to Estate of " Wife 's Name ''. When took check to my bank to cash it on XX/XX/XXXX I was informed they couldn't cash a check made out to an estate, please have the credit card company re-issue the check in either my or my wife 's name. I called U.S. bank same day and was adamantly told they could ONLY issue a check made out to an Estate. I was at an impasse.

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 monetary relief
Consumer complaint received 2021-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd

Complaint narrative:
On XXXX XXXX XXXX inr has been transferred by wise Their receipt shows that it was done by I had not got money yet I contacted my Bank customer regarding the same and even given them enough proofs but not use They said contact from other end

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disputed information in my Experian Credit file regarding a closed account with XXXX. The report incorrectly stated the account was settled in XXXX. In reality the account settled in XXXX. After my dispute, Experian began to report the account settled in XXXX? 

When I followed up with Experian to dispute the incorrect update they claimed the new information was modified by XXXX. When i contacted XXXX, they claim Experian modified their reporting. 

It is evident that Experian is not looking to correct misinformation. How can an account be reopened and settled 6 years after the fact without documentation?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AmeriCollect
State: NJ

Complaint narrative:
I received notification from my insurance provider that a claim was submitted and paid. I later learned that the service provider offered the claim incorrectly by submitting the claim to my wife 's secondary and primary insurance. I notified the XXXX XXXXXXXX XXXX, which acknowledges their discrepancy and advised that the claim will be submitted correctly, and the collection agency reported to cease collection activity. I subsequently received a notice from Americollect continuing to collect and advising me to make payment with them. I disputed the amount owing report # XXXX with XXXX. I submitted proof that the claim was paid via official documentation from XXXX XXXX XXXX with no liability owed as payment for the service is reduced. The service was done by a network provider and means the provider of service has agreed to accept the contracted amount, less any pricing changes due to modifiers that may have been submitted on the claim as payment in full. I spoke with an employee at XXXX who confirms receipt of my uploaded documents. The employee states that the information was forwarded to the collection agency for verification. I then receive an alert that the investigation is complete and verified as accurate despite proof that the claim is paid and I have no liability for an additional payment. I have provided documentation to Americollect, XXXX, and XXXX XXXX XXXX, and this negative debt remains on my credit report, adversely affecting my credit score. The debt should have never been placed in collection due to improper billing practices of XXXX XXXX XXXX, which acknowledges their error. I am also alarmed that when submitting proof of a paid claim to XXXX, they are not also verifying the accuracy of the information. They are just forwarding documentation without verifying information and accepting the accuracy of the reporting agent of the debt. If XXXX looks at the data, I submitted they would confirm that there is no liability. I am also a paying monthly consumer of XXXX, and the services provided is appalling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I have disputed this insurance debt with the collection company for the past 2 yrs. they refuse to send me information about the debt, also they refuse to send debt validation. According to FCRA, they must provide information about rhe debt if the consumer requests it in writing, which I have more than 4 times.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX  are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX CFPB this email is for you CFPB to keep it or use I already submit over the phone my complain do not send this unles is nescesary I explain here what is on the record you can send it if you think is the best thank XXXX Consumer Financial Protection Bureau. 


1. the report I send is the last report EXperian send to me. Total fake. 
I am so indignate by Experian, and all is in this report, not only I Denied. 
All information EXPERIAN provite on this report, I GOT SICK ABOUT. 

2. Before I Start, I need you to be aware, that this is XXXX XXXX, with out notice, I stop to take my daily XXXX, for 6 dyas, I forgot to eat 4 days.Whatever EXPERIAN resolution will be, I WILL not accept. they crooss over the line, that is not the place, I love, I will not stand back to those behevior, that destroy, Not only my life, they are destroying my country United States of America. 

3. This report is not the same, they have online, or the one they show me. 

4. On this report they not say what is the total amount I OWE, that is on the online, account the amount of {$5900.00} 5. At this moment they are not aware that I am in contact with you. unlees you told something to then. 
6. On this report, not only, show all the negative Items, from before, they ad more negative accounts, with out care. 
7. On this report, they try to show some charity, the wors way to do something like that. 

XXXX {$5900.00} XXXX XXXX XXXX and XXXX XXXX XXXXXXXX are the same acounts since XXXX, Show 1 payment of {$120.00}, ,when I ALL ready pay {$380.00} plus {$170.00} XXXX XXXX acoount, I CLOSE, on XX/XX/XXXX First report XX/XX/XXXX They repited again as a collection updated I GUESS XXXX XXXX XXXX and XXXX XXXX  XXXX and XXXX number XXXX are the same $ {$2400.00} {$2400.00} XXXX XXXX XXXX XXXX this acounts are tthe same accounts, also please i want you to post all my dispute, u can change as the best behevior to help some one else i am terrify ( XXXX, ) BUT i do not want some else lfeel what i feel right now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-23 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: PA

Complaint narrative:
I got all other inaccurate items off my credit report except for these. XXXX deleted them. 
us dept ed, XXXX XXXX {$3700.00} us dept ed, XX/XX/XXXX {$3600.00} us dept ed, XX/XX/XXXX {$2200.00} XXXXXXXX XXXX XXXX, XX/XX/XXXX, {$0.00} Ed financial XX/XX/XXXX {$0.00} Ed financial XXXX, XXXX {$0.00} Ed financial XX/XX/XXXX {$0.00}

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 2021-07-23 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: PA

Complaint narrative:
I got all other inaccurate items off my credit report except for these. XXXX deleted them. 
us dept ed, XXXX XXXX {$3700.00} us dept ed, XX/XX/XXXX {$3600.00} us dept ed, XX/XX/XXXX {$2200.00} XXXXXXXX XXXX XXXX, XX/XX/XXXX, {$0.00} Ed financial XX/XX/XXXX {$0.00} Ed financial XXXX, XXXX {$0.00} Ed financial XX/XX/XXXX {$0.00}

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 2021-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX  are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: LA

Complaint narrative:
I am trying my best to be patient. However, I do not like having to payout all my income to others. I would greatly appreciate if you all would use your job to actually help others and not monopolize on trying to keep a vast majority indebted to you and others by being slow to update important and good information. I am starting to think you all may get a thrill from antagonizing others?? ..By you all going ahead and doing your job for the betterment of others, it can assist in making the American dream a reality. I've already assisted many teachers whom taught me many things that I'll probably never use. However, I don't mind helping others. I would appreciate if you would do the same. It has taken me a while to get to where I can continue my endeavors of paying it forwards and backwards in a monetary fashion. It has been many challenges that I have had to overcome. Some where brought on by my own ignorance and nieveness and at other times, to put it simply, it wasn't me.

Company response to consumer: Closed with explanation