vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FORD MOTOR CREDIT CO.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 1. XXXX XXXX XXXX XXXX**** Balance : {$0.00} ; 2. XXXX XXXX XXXX XXXX**** Balance : {$0.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
I have disputed this inaccurate information to Santander consumer USA. With all three bureaus XXXX, XXXX and XXXX. I have added an attachments from all three bureaus showing different information on my credit reports. Santander consumer USA have inaccurate updated information with the Date being reaging the account to ( XX/XX/2021 ) this account is over 10 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: EQUIFAX, INC.
State: KS

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Inquiry Date XX/XX/2020 ; XXXX Inquiry Date XX/XX/2020 ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RC is reporting that I owe {$130.00} on my consumer credit report. I do not know this company. I have never done business with this company. I have never signed a contract with this company for anything. I have never given permission to anyone verbally or in writing to pass my information to this 3rd party company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: GA

Complaint narrative:
i've tried several times and several different ways to get my personal information corrected on my consumer report yet i haven't received any response nor update to my report. ive been a victim of identity theft and continue to reports this to the 3 major buearus to no avail.

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 2021-11-05 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: GA

Complaint narrative:
i've tried several times and several different ways to get my personal information corrected on my consumer report yet i haven't received any response nor update to my report. ive been a victim of identity theft and continue to reports this to the 3 major buearus to no avail.

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 2021-11-05 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: GA

Complaint narrative:
i've tried several times and several different ways to get my personal information corrected on my consumer report yet i haven't received any response nor update to my report. ive been a victim of identity theft and continue to reports this to the 3 major buearus to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: CA

Complaint narrative:
on XX/XX/2021 my phone and wallet were stolen from my car. when word got around seeing as how i live in a small town it wasn't long before i found out who had been seen with my phone and then seen using my cards. charges that were made using my cards were FOR places based in XXXX arizona a XXXX charge for {$470.00} a XXXX XXXX XXXX XXXX arizona for {$510.00} a XXXX resort 4 {$110.00} another XXXX  for {$240.00} another XXXX for XXXX dollars and XXXX XXXX {$7.00}. and two charges for XXXX XXXX by XXXX XXXX {$640.00} and {$540.00} all charges lead from the XXXX of XXXX to the XXXX of XXXX i confronted the people that were said have possession of my phone and my debit cards and when i got a hold of the mail he said that yes it took my card and so a lot of things to it when i got in contact with the girl she said i don't know what you're talkin about thanks for the trip to XXXX it's great. when i filed a dispute for these charges with netspend they denied my claim based on notifications that were sent to my phone and my ip address for my device i would i explain to them that my phone and my wallet were taken because my phones case was my wallet they said sorry why don't you send in some documents so when i did send the documents and i waited another month and a half i called them i called back and aspirin appeal they told me no i couldn't appeal how to talk to their fire department they have no way to get ahold of them i have to get ahold of him so what i asked for the contact information they said that they didn't have it and then they hung up on me so i called back i was on hold for 6 hours and then got hung up on a call back. put on hold for 6 hours and got hung up on i call back between 5 and 7 more times hold from anywhere from four to six hours each time being hung up on it is obvious from my prior history that these charges are not consistent with my normal usage they refused to hear it and they won't work with me

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 2021-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My card was used multiple times for unauthorized transactions, the dates and amounts are : XX/XX/XXXX for {$1000.00}, {$1000.00} ; and XX/XX/XXXX for {$1700.00}. A total of {$3700.00}. BOA sent an email letting me know there was suspicious activity on my card. When I called to find out what was happening, I was placed on an extremely long hold, then I was informed that my card was blocked and that they would be sending me a new card ASAP. However, I was never informed of what took place for the block to happen. After getting off the phone with BOA, I realized what had happened in regards to the suspicious activity. I had to wait a few days for the charges to post in order for me to report the transactions as fraud. Moreover, I was asked a series questions about how my card was accessed to which I responded my wallet was lost. I was told my case would be investigated within 45 calendar days, and that I would receive a provisional credit within 10 business days. The case took an unexpected turn when I learned by claim was ultimately denied. I called to find out why, only to be told they didn't have " sufficient '' evidence that the claim was valid. I was very disappointed with their unjustified reasoning, therefore I decided to have it reinvestigated. It was denied shorty after that again. BOA failed to honor my claim, which is a very unfortunate and disheartening.

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 2021-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I have made multiple phone calls to your company and spoke with many managers that which who have all stated that there is no credit history on file. The bank which I opened a secure credit card shows a {$170.00} unpaid medical bill. I faxed all of that information to your company. When I called twice regarding some confirmation if your company received the fax both representatives stated that nothing was received. My personal banker who opened my secure credit card also called the business company line to your bureaus and a representative stated that there is no credit history. This is very strange when I have a line of credit, and I am not even able to dispute the {$170.00} unpaid medical bill that was from XXXX  and I became a new XXXX  of the U.S.A. in XXXX. This is a mess, and needs to be fixed and your credit bureau agents and managers I have been in contact with are uneducated on what to do in the situation and are complete unprofessional. I grantee I am not the only person that has had this issue before. It is very odd. There must be a solution to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
My first mistake, I made {$5.00} payment to this Portfolio Recovery Assoc account thinking the amount is correct ; however when I spoke with someone and was told to ask them to send a debt validation letter. It showed another person on the account making purchases. I DO NOT KNOW THIS PERSON NOR DID I AUTHORIZE THESE CHARGES. I CALLED PORTFOLIO RECOVERY AND DISPUTED THIS. I ALSO DISPUTED TO XXXX AND XXXX NOT SURE IF THEY RECEIVED IT YET DUE TO THE FACT THAT MY FIRST DISPUTE WAS DIFFERENT. ALSO, I FOUGHT THIS ACCOUNT 12 TIMES BEFORE ALL DELETE. SO WHY ARE THEY ALLOWED TO KEEP SHOWING UP ON MY REPORT. I HAVE SEVERAL UPLOADS. THIS MONTH according to the statue of limitations debt expired PA is 4yrs. Which means somewhere around XX/XX/2021 should be removed. In fact, two many inaccuracies on account is the grounds alone for deletion off report Your upload is not working properly I clicked on 3 times and skipped to the next page. How do upload files to you. You will tell them to send you a debt validation letter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: MS

Complaint narrative:
Alleged Original Creditor : XXXX XXXX XXXX XXXX Alleged Original Creditor Account Number : XXXX Debt Collectors Account Number : XXXX Alleged Debt Amount or Balance : {$640.00} I never received this service from XXXX and the phone service was never activated. XXXX XXXX sent a sim card to use for phone number XXXX. I never activated the sim card / phone and called XXXX XX/XX/2020. On XX/XX/2020 the service was officially cancelled since the service plan was not activated. On XX/XX/2020 I received a credit of {$30.00} from XXXX of a pro rated bill they created since the service was never activated and the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on NAVY FEDERAL CU. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: LA

Complaint narrative:
In 2015, I took out this loan for XXXX XXXX. I signed a master promissory note. Per my contract, the alleged debt was paid for using a negotiable instrument which is my promissory note. According to 16 CFR 433.1,2,3, a promissory note is a promise to pay and my social security number was used to extend credit for this note meaning this is already paid for. Title 18 states all alleged debts are the obligation of the united states. I am invoking my rights as a federally protected consumer and debtor.

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 2021-11-05 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: EQUIFAX, INC.
State: LA

Complaint narrative:
In 2015, I took out this loan for XXXX XXXX. I signed a master promissory note. Per my contract, the alleged debt was paid for using a negotiable instrument which is my promissory note. According to 16 CFR 433.1,2,3, a promissory note is a promise to pay and my social security number was used to extend credit for this note meaning this is already paid for. Title 18 states all alleged debts are the obligation of the united states. I am invoking my rights as a federally protected consumer and debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In 2015, I took out this loan for XXXX XXXX. I signed a master promissory note. Per my contract, the alleged debt was paid for using a negotiable instrument which is my promissory note. According to 16 CFR 433.1,2,3, a promissory note is a promise to pay and my social security number was used to extend credit for this note meaning this is already paid for. Title 18 states all alleged debts are the obligation of the united states. I am invoking my rights as a federally protected consumer and debtor.

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 2021-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA

Complaint narrative:
I reviewed my credit report and saw two medical collections with the same collection company, i do not owe the alleged debts. And To my understanding medical information under 12 CFR 1022.32 can not be shared. Also it would need prior consent to be furnished under 15 U.S.C 1692c ( a ). It is upsetting that this sensitive information is being passed around.

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 2021-11-05 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: EQUIFAX, INC.
State: NV

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX XXXX. XXXX, 2020 ; XXXX XXXX XXXX XXXX. XXXX, 2020 ; XXXX XXXX  XXXX XXXX XXXX. XXXX, 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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 letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The 3 Credit Bureaus is reporting inaccurate information on BANK OF AMERICA ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % correct or the information must be removed. Correct this reporting by making a revision of the information provided. Change and proceed with any corrections or eliminate this from my personal file.

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 2021-11-05 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: TOYOTA MOTOR CREDIT CORPORATION
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not convinced that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on TOYOTA MOTOR CREDIT. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. These accounts are reporting late as reported in my 3 Credit Bureaus. Lets correct this right away. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Here is the list of accounts that needs to be removed : CAPITAL ONE BANK USA N XXXX Balance {$0.00} XX/XX/XXXX ; CAPITAL ONE BANK USA N XXXX Balance {$890.00} XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Stark Collection Agency, Inc.
State: IA

Complaint narrative:
Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with THE STARK COLLECTION AGENCY. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.

Company response to consumer: Closed with explanation