vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-30 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: NC

Complaint narrative:
The credit bureaus are allowing the below actions from XXXX XXXX XXXX to take place illegally and in violation of Section 809 ( b ) FDCPA and section 609 FCRA. 

The below collection agency has failed to provide a copy of any alleged contract or other instrument bearing my signature after being requested to validate. They have an incorrect address and also have fell to comply by sending such document to prove validation then XXXX XXXX XXXX continued collection activities on my accounts in violation of section 809 ( b ) FDCPA.

Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT obtains verification of the debt and mails it to the consumer. Debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to consumers and the debt collectors then continued collection activities on accounts in violation of section 809 ( b ) of the FDCPA.. 

XXXX XXXX XXXX Last reported XX/XX/XXXX {$80.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX XXXX ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am unable to get Equifax to unfreeze my credit report. I am *desperate* to get it unfrozen so that I can open a business account at my local bank. 

I froze the Equifax credit report on XX/XX/XXXX and received a 10 digit reference number that I've attached as supporting documentation, but on XX/XX/XXXX Equifax said that it is not sufficient to unlock my report. 

However, I recently successfully unfroze my credit reports with XXXX and XXXX without any issues. I called these companies and provided the freeze numbers and they unlocked the credit reports. 

However, with Equifax I can not get them to even listen to the freeze number because they are too busy trying to harvest new information about me. 

I've attached to this report : My driver 's license front & back, A letter from my apartment manager confirming my residence, An electric Bill and a copy of the freeze reference number. 

But based on my past experiences with this company, I am doubtful that they will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: AZ

Complaint narrative:
XX/XX/XXXX I got a {$1500.00} cash advance from Discover Card. As of XX/XX/XXXX Discover has me still owing {$1400.00} on this cash advance. I have paid over {$1000.00} in interest and still being charged interest. I made a {$1000.00} payment on XX/XX/XXXX and still owe {$1400.00} on this XXXX year- old cash advance. I offered to make another {$1500.00} payment so I would not continue to pay interest on this cash advance but was told I would still continue to pay interest on the cash advance until I pay the balance of {$3900.00} in full according to XXXX who identified herself as my account manager and account supervisor on XX/XX/XXXX. 
This interest rate is unfair and too much! 
Note : I never missed a payment. XX/XX/XXXX I made a {$1000.00} payment. I made two {$200.00} payments and at other times made more than the minimum payment to pay down the balance on this Discover Card. The interest rate causes the balance to continuously increase rather than decrease.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
after spending around 2-3 hours trying to log into my account by resetting my password this bank seems intent on keeping me out of my account. The instructions are sometimes muddled and always rushed ( 8 diget codes ). The process on a whole seems set up to frustrate one out of pursuing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Today XX/XX/XXXX I received a collection letter from a collection agency referencing an alleged debt from XXXX that is on behalf of XXXX with whom I have never had any credit card, loan or any type of relationship with ever. 

I am concerned with how this entity obtained my name and address and alleges that I am responsible for a debt I never incurred in the amount of {$860.00}. 

The seven year rule of credit is being violated, on principle that is a violation of the Fair Credit Reporting Act, even though the debt is not 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 2022-01-30 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: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
XXXX has reported my XXXX payment as late after correcting it again last month. In reality, the XXXX, XXXX, XXXX payments were not late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: NC

Complaint narrative:
XXXX  has reported my XXXX payment as late after correcting it again last month. In reality, the XXXX, XXXX, XXXX payments were not late.

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 2022-01-30 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: Exeter Finance, LLC.
State: IL

Complaint narrative:
As of today XX/XX/2022 I have reached out to Exeter finance. I was reaching out because I have been late on paying my vehicle and I wanted to get out of the loan because it seems as if the loan is not going down and I am experiencing loss due to the pandemic as well as other bills piling up. I had reached out to them to let them know what could I do in the mean time until I sold my car, which I had planned to do the following Monday, so that way I wouldn't be to delinquent. I asked the company if my vehicle had entered into repossession status. They had informed me that it had not. So I said okay Ill be okay for the weekend until I figure out what I am doing. Mind you they have all these calls recorded as I started doing after running my credit to get another loan and finding out they had reported a repossession status after telling me they had not. I have the calls recorded with their knowledge, after I had asked AGAIN if they had in repossession after speaking with the dealer they told me they did not and they never did. I am appalled with how they have handled this matter. I am close to losing my mind. They have reported late payments instead of deferments, they have charged crazy late fees, and they refused to provide me proof of the fact that my vehicle was not in repossession status. I have all recorded phone calls. I would like for Exeter to be done. They are leeches. I have had this loan for more than 3 years and owe more than what I originally financed. It makes absolutely no sense whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Seattle Service Bureau, Inc
State: IL

Complaint narrative:
I have been harassed by an individual regarding a hit in run they were involved in on XX/XX/21. I have proven to my insurance agency ( XXXX ) and the local police ( XXXX, IL ) that I was two states away at the time. The police took me off the investigation because the car described by the person was not at all similar to mine. My insurance closed the complaint. 6 months later I am receiving a claim from the National Service Bureau ( XXXX ID XXXX ) that I owe {$1900.00}. I don't understand how this individual and this collection agency can ask for money when I've been cleared by the police.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TRANSUNION REFUSES TO VALIDATE AND VERIFY THE ACCURACY OF MY CREDIT REPORT! THEY ARE EVEN REFUSING TO LOOK INTO THE MATTER AGAIN STATING THEY ALREADY INVESTIGATED THE MATTER! 

PER 15 USC 168XXXX CREDIT BUREAUS HAVE A GRAVE RESPONSIBILITY of the following : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) 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. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I WANT THEM TO STOP REPORTING THE XXXX FINANCIAL ACCOUNT AS CLOSED WHEN IN FACT IT IS OPENED! I HAVE A LETTER FROM XXXX FINANCIAL THAT THE BUREAU REFUSES TO HONOR. 

REPORT THIS ACCOUNT AS OPENED 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 non-monetary relief
Consumer complaint received 2022-01-30 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: ERC
State: NC

Complaint narrative:
The credit bureaus are allowing the below actions from Enhanced Recovery Company to take place illegally and in violation of Section 809 ( b ) FDCPA and section 609 FCRA. 

The below collection agency has failed to provide a copy of any alleged contract or other instrument bearing my signature after being requested to validate. They have an incorrect address and also have fell to comply by sending such document to prove validation then Enhanced Recovery Company continued collection activities on my accounts in violation of section 809 ( b ) FDCPA. 

Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT obtains verification of the debt and mails it to the consumer. Debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to consumers and the debt XXXXollectors then continued collection activities on accounts in violation of section 809 ( b ) of the FDCPA.. 

ENHANCED RECOVERY COMPANY Last reported XX/XX/XXXX {$80.00} Open balance XXXXXXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXXXXXX and the National Credit Systems was sent an email that had a debt verification attachment. In that document, XXXX XXXX and National Credit Systems were both asked to verify the debt of {$10000.00}. More than 30 days past ever since XXXX XXXXXXXX and the National Credit Systems received that letter. To this very day, no proof of the debt or validation attempts have been received by the National Credit Systems or XXXX XXXXXXXX. 

On XXXX XXXX, my attorney filed a pro to vacate order to dismiss the eviction filed by XXXX  XXXX. 

On XX/XX/XXXX, XXXX XXXXXXXX attorney agreed that the eviction should be dismissed on the basis that I did properly notify XXXX XXXX  of leaving the property and I did find someone to sublease the property. Since someone subleased and resided in the unit, the reported debt of {$10000.00} is inaccurate. 

On XX/XX/XXXX, a local judge of XXXX XXXX approved to dismiss of this eviction. The debt is showing for the full amount on my credit history, which is inaccurate. 

If the National Credit Systems can not legally validate the debt because another person resided in the property and was paying for the rent. If National Credit is unable to validate the debt, then they should rightfully delete the debt or correct it on all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I already filed an FTC report with the credit reporting agencies and XXXX XXXX agreed and removed this account on or about XXXX of 2021. This account was mistakenly sold to XXXX FUNDING and they are ILLEGALLY REPORTING IT as of XX/XX/2021 opening date. This is a true and a major violation of reporting laws.I expect this to be removed now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: NC

Complaint narrative:
I sent some letters out with an FTC report to Equifax and XXXX about some inquiries and a collection on my credit report that are not accurate and are not mine. I never received any responses from anybody. This is causing me to be stressed emotionally and financially. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MN

Complaint narrative:
When I applied for student loans I was going to school for a art degree in graphic design. It was a struggle getting in contact with my financial aid counselor and information was not clearly explained about how this loan would affect me pursuing a degree that pays a college grad starting out XXXX - XXXX a year. Signing up for federal and private loans is the worst thing I have ever done. Ive been in forbearance for two years and I have no idea how Im ever going to pay my loans back. I pray every day that they are forgiven. Between the cost of living and the amount Im scheduled to pay ( at one point the amount owed was XXXX ) while working it seems impossible. In XXXX of 2019 I had XXXX in unpaid principal and XXXX. Please make it make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
EQUIFAX REFUSES TO VALIDATE AND VERIFY THE ACCURACY OF AN ACCOUNT ON MY REPORT! THEY AREN'T EVEN PROPERLY INVESTIGATING THE MATTER!

PER 15 USC 1681 CREDIT BUREAUS HAVE A GRAVE RESPONSIBILITY of the following : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I WANT THEM TO STOP REPORTING XXXX XXXX XXXX  ACCOUNT AS CLOSED WHEN IN FACT IT IS OPENED! I HAVE A LETTER FROM XXXX XXXX THAT THE BUREAU REFUSES TO HONOR. 

REPORT THIS ACCOUNT AS OPENED IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: NC

Complaint narrative:
I sent some letters out with an FTC report to XXXX and Transunion about some inquiries and a collection on my credit report that are not accurate and are not mine. I never received any responses from anybody. This is causing me to be stressed emotionally and financially. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2022-01-30 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: GA

Complaint narrative:
EXPERIAN REFUSES TO VALIDATE AND VERIFY THE ACCURACY OF AN ACCOUNT ON MY REPORT! THEY AREN'T EVEN PROPERLY INVESTIGATING THE MATTER! 

PER 15 USC 1681 CREDIT BUREAUS HAVE A GRAVE RESPONSIBILITY of the following : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I WANT THEM TO STOP REPORTING THE XXXX XXXX ACCOUNT AS CLOSED WHEN IN FACT IT IS OPENED! I HAVE A LETTER FROM XXXX XXXX  THAT THE BUREAU REFUSES TO HONOR. 

REPORT THIS ACCOUNT AS OPENED 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 non-monetary relief
Consumer complaint received 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a dispute letter regarding inquiries with Equifax and received a letter that they deleted the inquiries but the inquiries are still reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: AL

Complaint narrative:
The auto loan accounts are displaying inaccurate and inconsistent information. Some credit bureaus are reporting late payments and others are reporting current. The car loans were paid off in XX/XX/XXXX and XX/XX/XXXX. The accounts are paid off and they are closed, resulting in an inaccurate credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation