vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
I contacted XXXX XXXX and XXXX and also the debt collector, National Credit Systems to communicate to them that what they have reported on my credit report is incorrect. I have also shared receipts and email communication between me and the original account holder to prove that this was incorrect and that they had not updated my account. I am under the impression now that XXXX XXXX nor XXXX are even reading the documents to support my case. I have also shared these documents with National Credit Systems. I am at a loss on what my next steps should be. I understand that I have a right to report inaccurate data on my credit report and National Credit Systems has the responsibility of updating this data. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 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: SC

Complaint narrative:
This absolutely unexceptionable that I have to submit a CFPB Complaint against the bureaus because they claim that the in accurate information I disputed on my credit report XX/XX/XXXX is verifiable. Also, I will be filling a complaint with the XXXX  due to the mistreatment and unwillingness to help me resolve this hardship the bureaus have brought upon me. Its impossible for me to live The American Dream with the credit bureaus reporting inaccurate information that is burdening me from get home, low interest rates and etc. I submitted another complaint on XX/XX/XXXX I demand to know how these inquires were verifiable even when I stated this was unverifiable information that is also inaccurate on my credit report. I don't know who's this inaccurate and unverifiable information belong to but I need it deleted off my report immediately. I feel as if the bureaus are trying to waste time by claiming this inaccurate information on my credit report is verifiable. I have been put through enough hardship this year during the Covid pandemic. I demand proof of the original application be provided to me that I signed and agreed to these erroneous inquiries on my credit report. If the bureaus can not provide me the original application! I demand this inaccurate information be deleted of my credit report immediately. The next step that will be taken if this inaccurate information is not deleted immediately will be me seek litigation. Ive been going back and fourth with the bureaus since XX/XX/XXXX Ive had enough and will take legal action for the hardship and time the bureaus have cost me trying to resolve this situation.

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 2021-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXXXXXX reporting date Opened XX/XX/2017 amount {$2100.00} i sent dispute letters several times

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
On Friday, XX/XX/2021 my mother received a notice from Credit Collection Services of a debt in my name. My mother is not, nor has ever been on this account. The name and address of my mother is different from mine. 

I contacted Credit Collection Services to inquire as to why my mother was contacted about this debt. They claimed that it was impossible that she was contacted as her name or address was in no way associated with this debt. Credit Collection Services was unable to tell my why my mother was contacted, nor give me any indication that she, or any other third party, would not be contacted as well. 

The company who shared my personal information is Credit Collection Services, XXXX XXXX XXXX, XXXX, MA XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: MA

Complaint narrative:
Account number XXXX at Department of Education/Nelnet ( Creditor ) was re-reported to my credit report ( as two different accounts ) at XXXX, after XXXX blocked and deleted this account. It is illegal for Nelnet to re-report the account after the account was deleted from my credit report, especially when Nelnet did not provide me with a contract with my signature on it to verify the debt account, even though I requested said contract in writing via certified mail with return receipt, on three separate occasions, in 2020. I need Dept of Education/Nelnet and XXXX to DELETE these Nelnet accounts on my credit report at XXXX IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: MA

Complaint narrative:
Account number XXXX at Department of Education/Nelnet ( Creditor ) was re-reported to my credit report ( as two different accounts ) at XXXX, after XXXX  blocked and deleted this account. It is illegal for Nelnet to re-report the account after the account was deleted from my credit report, especially when Nelnet did not provide me with a contract with my signature on it to verify the debt account, even though I requested said contract in writing via certified mail with return receipt, on three separate occasions, in 2020. I need Dept of Education/Nelnet and XXXX  to DELETE these Nelnet accounts on my credit report at XXXX  IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Account number XXXX at Department of Education/Nelnet ( Creditor ) was re-reported to my credit report ( as two different accounts ) at XXXX, after XXXX  blocked and deleted this account. It is illegal for Nelnet to re-report the account after the account was deleted from my credit report, especially when Nelnet did not provide me with a contract with my signature on it to verify the debt account, even though I requested said contract in writing via certified mail with return receipt, on three separate occasions, in 2020. I need Dept of Education/Nelnet and XXXX  to DELETE these Nelnet accounts on my credit report at XXXX  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 2021-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Case # XXXX is not yet resoved. I repeatedly tried to contact the Bank of America personnel but I just get his voice mail. His name is XXXX XXXX with phone # XXXX ext XXXX. Try calling him and you will know what I am referring to.

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 2021-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I recently filed a report with XXXX, XXXX, and Equifax of inaccurate items being reported on my credit reports. XXXX, XXXX, And Equifax did not remove the above mentioned item once an FTC Report and documents to verify my identity were sent. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 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: VA

Complaint narrative:
Upon checking my credit score I saw that an account had been opened with XXXX XXXX in XXXX XXXX XXXX XX/XX/XXXX XXXX and was sent to collections. 


I disputed the accounts with both TransUnion and XXXX  and both agencies verified the information with the creditor as being correct, but I did not open this account. 

I have always lived in the state of Virginia but last year ( XXXX ), my mother went on vacation to XXXX XXXX and while she was there her phone, wallet, and other personal items were stolen ultimately leading her identity to be compromised. Again, I have never been to XXXX XXXX and I have never opened an account with XXXX XXXX in any state. However, I do believe that my identity has been compromised likely be the same person ( s ) that attempted to do the same as they did with my mother.

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 2021-04-04 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: VA

Complaint narrative:
Upon checking my credit score I saw that an account had been opened with XXXX XXXX in XXXX XXXX XXXX XX/XX/XXXX XXXX and was sent to collections. 


I disputed the accounts with both XXXX  and Experian and both agencies verified the information with the creditor as being correct, but I did not open this account. 

I have always lived in the state of Virginia but last year ( XXXX ), my mother went on vacation to XXXX XXXX and while she was there her phone, wallet, and other personal items were stolen ultimately leading her identity to be compromised. Again, I have never been to XXXX XXXX and I have never opened an account with XXXX XXXX in any state. However, I do believe that my identity has been compromised likely be the same person ( s ) that attempted to do the same as they did with my mother.

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 2021-04-04 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AFNI INC.
State: PA

Complaint narrative:
XX/XX/2021 I received a letter from AFNI, INC saying i owed a balance of ( {$9200.00} ) for a debt that has been sold to them from XXXX  XXXX  XXXX  , XXXX XXXX I Wrote Afni a letter certified mailing, asking for debt validation XX/XX/2021, I havent yet got any form of response. I am very concerned on how cant I get the information when I see the activity dates on the account is constantly updating. Afni told me to contact XXXX  XXXX  XXXX  for more information regarding the debt and I have already did that before the debt was sold to them. It seems like I cant get any where with either one of these companys when I am asking for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 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: OH

Complaint narrative:
The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX  # XXXX, XXXX XXXX CR XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX

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 2021-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX CR XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
In XX/XX/XXXX a fraudulent charge of {$2100.00} appeared on my Synchrony Bank XXXX statement. I informed XXXX about this in writing and paid for MY charges in full. In XX/XX/XXXX another fraudulent charge of {$2200.00} from the same merchant appeared on my statement. Again I informed XXXX and paid for MY charges in full. Starting with the XX/XX/XXXX statement and every statement since then, Sync has assessed interest on the unpaid fraudulent charges. Additionally, since XX/XX/XXXX a recurring fraudulent XXXX charge has appeared on my monthly statements. I have informed Sync in writing every month of these issues. In XX/XX/XXXX, in my XXXX to Sync, I requested that my account be closed. However, I received a XXXX statement with more XXXX charges and more interest assessed, and the account was not closed. The balance on the XX/XX/XXXX statement is {$96.00} and consists entirely of interest charges assessed on unpaid fraudulent amounts. The fraudulent charges were acknowledged by XXXX, however, the interest charged on those unpaid fraudulent amounts was never reversed, Every month the unpaid interest is carried forward and more is added. At this point I am so frustrated with Synchrony I will pay the {$96.00} wrongfully assessed interest on fraudulent charges just to be done with this bank.

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 2021-04-04 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: DE

Complaint narrative:
Account not mines, submitted FTC report with accounts that are not mines. 


XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX {$650.00} Account number XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX {$650.00} Account number 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 2021-04-04 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: TX

Complaint narrative:
Identity Theft. I've reported to Transunion that my information has been compromised and to no avail have they remove the items from 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 2021-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently filed a report with XXXX, XXXX, and Equifax of inaccurate items being reported on my credit reports. XXXX, XXXX, And Equifax have not removed the above mentioned item once an FTC Report and documents to verify my identity were sent. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within XXXX  days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 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: FL

Complaint narrative:
On my credit file I have fraudulent accounts that I want to get verified with copy of the original contract, signature and any other evidence to confirm the account is valid, if the company can't provide the solicited documents I want to get the fraudulent accounts removed from my credit file under section XXXX. 

Experian Won't process my dispute online appears this message : Dispute Can't Be Processed Online For security reasons, we can not process your dispute online. Please contact us by phone so we can best assist you. 

XXXX Mon - Fri : XXXX - XXXX The fraudulent accounts that I want to get investigated under the section XXXX are : Account NameXXXX XXXX  Account XXXX Account TypeCredit card ResponsibilityIndividual Date XXXX Account NameXXXX XXXX XXXX  Account XXXX Account TypeCredit card ResponsibilityIndividual Date XXXX Account NameXXXX XXXX XXXX Account XXXX Account TypeAuto Loan ResponsibilityIndividual Date XXXX StatusPaid, Closed. 

Account NameXXXX XXXX Account XXXX Account TypeDebt Buyer ResponsibilityIndividual Date XXXX StatusCollection account. {$1000.00} past due as of XX/XX/XXXX. 

Account NameXXXX XXXX Account XXXX Account TypeAuto Loan ResponsibilityIndividual Date XXXX Account NameXXXX XXXX XXXX XXXX  Account XXXX Account TypeXXXX ResponsibilityIndividual Date XXXX StatusPaid, Closed. 

Account NameXXXX XXXX XXXX XXXX Account XXXX Account TypeXXXX  ResponsibilityIndividual Date XXXX StatusPaid, Closed. 

Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeXXXX ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedApr XXXX Account NameXXXX XXXX XXXX Account XXXX Account TypeXXXX ResponsibilityIndividual Date XXXX StatusOpen/Never late. 
Status UpdatedXXXX XXXXXXXX Balance {$8800.00} Balance XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$8500.00} Highest Balance {$0.00} XXXX Months Account NameXXXX XXXX XXXX Account XXXX Account TypeXXXX ResponsibilityIndividual Date XXXX StatusOpen/Never late. 
Status UpdatedXXXX XXXXXXXX Balance {$3700.00} Balance XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$3300.00} Highest Balance {$0.00} XXXX Months

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