vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-21 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau date the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Creditor : 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 non-monetary relief
Consumer complaint received 2021-12-21 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: TX

Complaint narrative:
Equifax is reporting the following alleged medical debts that have not been validated and updated with the company name or contact information. I do not know 1 ) if this is my debt - 2 ) if it is my debt Who I owe and where to pay! I have already disputed with Equifax multiple times over 4 - 6 months and still I do not have further information about the alleged debt listed below.

I have a right to an accurate credit file and these type of inaccuracies are unacceptable! 

Account No. XXXX Amount {$52.00} Account No. XXXX Amount {$64.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: AL

Complaint narrative:
I placed a order for XXXX home interest device ( account XXXX ). XXXX was unable to deliver the device because they had back orders for the device so the ordered was canceled and closed. I never received any product from them. I started receiving bills from XXXX for the device in the amount of {$51.00}. Then I started receiving debt collection notice from Convergent Outsourcing , Inc ( XXXX ) ( XXXX ) demanding payment.

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 2021-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NPAS, Inc.
State: OK

Complaint narrative:
On XX/XX/2021 XXXX XXXX responded to : complaint number XXXX XXXX XXXX XXXX XXXX has conducted research. Validation of the debt from the original creditor has been sent to the consumer at the address XXXX XXXX XXXX XXXX has on file. Our Help Desk is available to assist consumers and may be reached directly via telephone at XXXX. However, on XX/XX/2021, I submitted a complaint with documentation on XXXX XXXX, XXXX XXXX XXXX, which had been referred to the Federal Trade Commission on XX/XX/2021. 
XXXX XXXX, has not provided to any verification of the debt, nor has their client provided me or them with a validation of the debt. I have made several good faith request in writing via certified mailing to all companies referenced above. Per the attachments. You will notice my health insurance XXXX, paid the XXXX dept. You will also, notice the subrogation letter, where this debt was paid as part of a auto accident settlement. Additionally, I have requested from XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX the collection agency additional documents showing how I own what is being disputed. I sent certified mailing, and none of the companies responded or acknowledged receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: LA

Complaint narrative:
i received student loans to complete a phd in biology at XXXX university, for 5 years after graduation in XX/XX/XXXX, i was in forebearance because i could not get a job and had to settle down for XXXX {$19000.00} fellowship as postdoctoral fellow at University XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I tried to apply for loan forgiveness as XXXX fellow but was turned down, as the program was for only XXXX fellows working at XXXX. I got my first real job as an XXXX XXXX in XX/XX/XXXX at XXXX University, PA on XXXX annual salary, i was laid off with all non-tenured faculty in XX/XX/XXXX due to the State of PA cutting off all aid to XXXX University due to financial stress of XX/XX/XXXX. After 4 months unable to secure another job, i volunteered for XXXX type federal sevice called XXXX/sponsored by XXXX, XXXX for XXXX XXXX for 2 years, XXXX. When i returned to USA in XX/XX/XXXX, i still had no job so i did XXXX XXXX service for 2 years with STS/PA until I got a faculty job in XXXX XXXX on XXXX per annum in XX/XX/XXXX at XXXX University at XXXX XXXX XXXX I paid my student loans for 3 years while at XXXX University and at Southern University at XXXX XXXX. I was denied tenure in XXXX at Southern University and have remained unemployed since then. Both my services at XXXX University and XXXX University is for 10 years though not continuos. My student loan went into default and when my XXXX dollar tax refund was garnished in XXXX, i applied to rehabilitate the loan through XXXXPHEAA and it was granted with agreement to pay XXXX dollars a month till XX/XX/XXXX. However the loans were reinstated in XX/XX/XXXX with a payment of XXXX dollars per month, my Social Security benefits, the only income i have is XXXX per month, i am on XXXX and XXXX XXXX All attempts to get AES to grant me forebearance based on my income has failed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau date the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : 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 2021-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: GA

Complaint narrative:
Iq Data International has been reporting a collection on my account in the amount of {$7600.00} The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I hope your day is going well, but I need your help. I noticed the following issues with this account on my credit report. I did not authorize nor know anything bout this account listed. This is a fraudalent account. I know my rights. this is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau date the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXXXX/XX/XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 I sent a validation letter to XXXX, Equifax, and XXXX regarding some inaccuracies that are reporting in my credit report ( attached below ). I exercise my right to request all three bureaus to provide me with verifiable proof that the negative items reporting on the accounts listed below belong to me or they have to remove those immediately. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through physical verification of the alleged original signed consumer contract to prove those accounts belong to me and that whatever they report on my credit report has to be 100 % accurate. 

On XX/XX/XXXX, I received a letter back from XXXX stated that they verified those accounts as accurate which is false and misleading which is a violation of my consumer rights. How can they verify it to be accurate if you can see the invalid inconsistencies in plain site ( shown below ) As for XXXX and Equifax it's been well over 30 days and I never received any investigation results In regards to the late payments that were reported, that is 100 % false because I paid those accounts on time, but to my understanding late payments shouldn't even be reported due to the COVID Forbearance Act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: TX

Complaint narrative:
On XX/XX/2021 I sent a validation letter to XXXX, XXXX, and Experian regarding some inaccuracies that are reporting in my credit report ( attached below ). I exercise my right to request all three bureaus to provide me with verifiable proof that the negative items reporting on the accounts listed below belong to me or they have to remove those immediately. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through physical verification of the alleged original signed consumer contract to prove those accounts belong to me and that whatever they report on my credit report has to be 100 % accurate. 

On XX/XX/XXXX, I received a letter back from XXXX stated that they verified those accounts as accurate which is false and misleading which is a violation of my consumer rights. How can they verify it to be accurate if you can see the invalid inconsistencies in plain site ( shown below ) As for Experian and XXXX it's been well over 30 days and I never received any investigation results In regards to the late payments that were reported, that is 100 % false because I paid those accounts on time, but to my understanding late payments shouldn't even be reported due to the COVID Forbearance Act

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 2021-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CarMax, Inc.
State: MD

Complaint narrative:
This is my second complaint with the CFPB ( see XXXX ). In the initial complaint Carmax Auto Finance sent a payment to accommodate 1 of 3 hardships dealing with the vehicle/loan that occurred in their system. Since opening the original dispute in XX/XX/2020 they have sold the vehicle after CHARGE OFF and are reporting a balance of {$10000.00} on my credit report. First let me state I absolutely did not wish to voluntarily set up the vehicle for pick up. At that time my husband of my XXXX children suddenly passed away and I made an economical decision based on the last six months of issues and the pandemic. At the time Carmax received the vehicle their still was no title or tags due to their system inadvertently taking the tags out of my name for the 3rd time in six months which means there were no tags for well over days. I replaced the brakes and raised a complaint about the lights in the first two weeks at Carmax Auto shop. In addition to that the lights did not work on the vehicle but the first 15 days which is required by law and I attempted to fix this issue twice with Carmax in XXXX and XX/XX/2020 at their repair shop in XXXX and once I returned from the shop the entire electrical system went down on the car and I was informed the alternator had to be replaced in XX/XX/2020 ( one month after purchased ) I replaced that and the battery with XXXX XXXX and complained to Carmax with nothing done. The vehicle remained in the shop ongoing for the entire duration of the vehicle. I continued making payments and repairs all while constantly having the car taken from me by Maryland police due to the car showing up as not registered 3 times enduring much more than the amount of {$1300.00} they sent, I missed work when my car was taking multiple times and pay many fees to retrieve the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
A fraudulent transaction was made from XXXX for {$1500.00} that was withdrawn from my checking account on XX/XX/XXXX. I received a call from 'Citibank XXXX inquiring if I authorized payment of {$1500.00} to be transferred to someone in XXXX XXXX I replied 'no ' ; I did not authorize any such transaction. They proceeded to ask me to verify my information and open my online banking app on my phone. 

I grew suspicious and told them I did not authorize any transaction, nor did I ever use XXXX and that I would go to the bank to handle the inquiry. 

I went to the bank and we closed out my account and stopped my debit card. The bank manager tried to get information on the fraudulent activity, but we could not reach anyone who could help us. We stopped transactions on my accounts. 

I have yet to receive resolution from Citibank as they claim I authorized the transaction. I have requested information on their investigation and have never received any information on the investigation. I have attempted to call XXXX, but they will not speak with individuals, only people from the Bank. I have never used XXXX and am a CitiXXXX customer for over 30 years.

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 2021-12-21 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
On XX/XX/21 we were approved for an auto loan XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX XXXX XXXX XXXX knew we were prequalified for the auto loan. Made many attempts at asking us to finance through them we strong advised we were NOT interested. He slammed his highlighter to the table and broke it. Now we have a letter from XXXX XXXX advising a credit check. So, I pulled our XXXX XXXX report and learned he ran us through XXXX unauthorized hard inquiries on XX/XX/21, as follows : XXXX ) GM Financial XXXX # Pending XXXX ) XXXX XXXX Ref # XXXX XXXX ) XXXX XXXX XXXX Ref # Pending

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Victoria Secret decreased my credit limit on XXXX XXXX from {$650.00} to {$100.00} without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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:
Hello, I am writing to complain about several unauthorized inquiries on my TransUnion report. I sent an FTC in XXXX and they have yet to remove this inquiry from my credit profile. I have been more than patient and have sent over 6 rounds of dispute letters. Isn't it illegal to ignore a consumer 's request? I have also reached out to the lenders and they advised me to contact all three credit Bureaus which I did. Transunion is the only one that has ignored my request. I have attached FTC for records

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 2021-12-21 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: CA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: CA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2021-12-21 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: PA

Complaint narrative:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau date the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America -- -- -- -- - XXXX XXXX XXXX ext XXXX called 20-25 times I called her back wrong account as we..! I have been paying though. because of credit. Received papers in mail From Bank of America, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, I found two Financial places before that takes up to a MONTH! but they said it was settled -- and sent me a new card before that! never used it, nor would it. Going on since XX/XX/XXXX. This is very very stressful. I have contacted All credit bureau 's everywhere.. Customer since XXXX! Also have another from XXXX XXXX! returned merchandise to XXXX, And been paying. XXXX blames XXXX- and vice versa, I made payments I did not need too. The three bureaus have me owing them -- -- -- -- -- {$140.00}. Called and they said, XXXX -- -- -- -- - okay so what?

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 2021-12-21 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: PA

Complaint narrative:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau date the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation