vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-13 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: MD

Complaint narrative:
I submitted a dispute with Experian for the company XXXX XXXX. They received the dispute on XX/XX/2021 Report Number XXXX. How is it POSSIBLE to complete an investigation on XX/XX/2021 when the other reporting agencies are still investigating? Experian 's website says : If you file a dispute to correct what you believe is an inaccuracy on your credit report, the credit bureau you notify must complete an investigation within 30 days ( or 45 days in certain circumstances ), according to the U.S. Fair Credit Reporting 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 2021-11-13 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: NAVY FEDERAL CREDIT UNION
State: DE

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. 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 is the unauthorized inquiry reporting on my Credit Report : NAVY FCU Date of inquiry XX/XX/2021

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: FIFTH THIRD FINANCIAL CORPORATION
State: DE

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. 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 is the unauthorized inquiry reporting on my Credit Report : FIFTH THIRD Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I was the victim of an elaborate internet phishing scam. They gave me a check to deposit to the bank and I took it to the bank and asked the teller and manager to check to see if the check is official. The person who scammed me was posing as an XXXX employee. The tellers said everything was okay and deposited the check. When they asked me to send the money to a third party I realized it was a scam and told the bank that it was. They said they could not do anything until the check bounced and could not protect my account. I filed a police report and contacted XXXX directly about the fraud. They opened their own investigation. Now ; my account was overdraft almost XXXX when the check bounced and I planned on paying the money back once I could, but the bank closed my account. Ive contacted them multiple times about the fraud and theyve said they couldnt do anything and now Ive gotten a letter that my account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 XXXX collection agency By law, 15 USC 1692g , Subsection 809 ( a ) ( 4 ), specifically states, " the debt collector will obtain verification of the debt ''. " enforcement of security interests '', as defined under 15 USC 1692a ( 6 ), requires documentation to show verification, and none has been provided. 

On XX/XX/2021, Aargon collection agency sent documentation of services, provided by XXXX XXXX XXXX to XXXX XXXX XXXX. Aargon collection agency claims its right to enforcement of security interest, does not require it to provide, documentation verifying a debt actually exists, between XXXX XXXX XXXX, and XXXX vXX/XX/XXXX 

By law, 15 USC 1692g, Subsection 809 ( a ) ( 4 ), specifically states, " the debt collector will obtain verification of the debt ''. " enforcement of security interests '', as defined under 15 USC 1692a ( 6 ), requires documentation to show verification, and none has been provided. 

Aargon collection agency should be obligated to follow the laws stated above, by providing verification of its entitlement to any security interest between XXXX XXXX XXXX, and XXXX XX/XX/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 2021-11-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. I, XXXX XXXX, consumer, natural person, and the original creditor of an open ended credit plan, was denied my right of credit by Navy Federal. I was notified of this transgression of my rights specifically 15 usc 1601- The Truth in Lending Act, I as a natural person possessing an open ended credit plan was harmed by Navy Federal adverse action against me denying my rights, of which the Civil damages pursuant 15 usc 1640 ( a ) ( 2 ) ( A ) ( i ) are up to {$5000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Bank Regarding : Wells Fargo Bank, N/A XXXX XXXX XXXX XXXX, OR XXXX This amount was taken by XXXX XXXX XXXX XXXX to pay for full coverage on my XXXX XXXX XXXX that I own. I spoke to agent XXXX and he said he is not going to pay me anything for my vehicle that was stolen. I have a police report on file and I have not been contacted by any XXXXpd detective as between XXXX. 

XXXX A recurring payment was authorized with card XXXX for {$120.00}. 

My car was used to drive to work and I was issued a parking permit by my employer The XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Dates employed were XX/XX/XXXX - XX/XX/XXXX. My car was purchased XX/XX/XXXX with a cashiers check at the XXXX and XXXX location where I paid for a safe deposit box. I did not know that my life was in danger by a United States XXXX who accompanied to the bank to get my cashiers check. I was never aware of any additional persons in my vehicle or anyone holding any fire arms at the time of purchase. I have recently been denied a housing voucher by my employer XXXX. XXXX the CEO said she was closed when I inquired about an emergency situation that threatens my life since my vehicle was stolen on XX/XX/XXXX. 

Will you please put back all of the money my sister XXXX XXXX XXXX deposited to my account from her bank XXXX  XXXX XXXX. She wanted me to go to school and find a job, which I done. This type of discrimination is contagious all over Downtown XXXX XXXX, I feel this omission of danger is not to be ignored by any Banking institution. It can cause robberies. I also had a roommate named MsXXXX XXXX. I am almost sure she came in the bank pretending to be me. If so will you please freeze her assets everywhere.

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 2021-11-13 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: TRUIST FINANCIAL CORPORATION
State: DE

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. 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 is the unauthorized inquiry reporting on my Credit Report : REGIONAL ACC Date of inquiry XX/XX/2021

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 2021-11-13 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: I.C. System, Inc.
State: NC

Complaint narrative:
the bank XXXX XXXX XXXX XXXX XXXX in XXXX NC. i owed them a balance of {$350.00} through the company called IC systems. i paid IC systems the money owed to XXXX XXXX XXXX XXXX. the money was paid through my bank, XXXX XXXX XXXX XXXX using my debit card on XX/XX/2021. here is proof that the account has been paid in full : XX/XX/2021 XXXX Debit - Visa Check Card XXXX - XXXXIC SYSTEM XXXX XXXX MN XXXX - {$350.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: CA

Complaint narrative:
Equifax has reported unvalidated and unverified accounts on my consumer credit report. I do not have a relationship with XXXX XXXX XXXX or XXXX  XXXX XXXX, XXXX. I do not have a signed contract with the alleged debt collectors. Equifax has violated my right to privacy and failed to properly validate an alleged debt before placing the account on my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. 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 is the unauthorized inquiry reporting on my Credit Report : WFDS Date of inquiry XX/XX/2021

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 2021-11-13 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: CORELOGIC INC
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting Act Section acceptable lawful COMPLIANT REPORTING STANDARDS such as the potentially applicable standards and or regulatory requisites of reporting I am rendering this officially writ consumer CHECK OF COMPLIANT REPORTING and CHALENGE versus any and all DEFICIENCIES of reporting and or inability to DOCUMENT factual reporting verifiability of validness, truth, accuracy, completeness, timeliness, ownership ( s ) of responsibility, and or certifiability of the mandated compliant PROCESSES of reporting and mandatorily perfect complete certifiableMETRO 2 FORMAT compliance of reporting standard ( s ). Beyond this, I am practicing my right to challenge questionable information reporting that I have found on my personal credit report, be it due to potentially erroneous and or misleading claims/data, or be it due to UNVERIFIABLE or INVALIDATE and or not CERTIFIABLY COMPLIANT REPORTED claims REGARDLESS of circumstances else wise. REPORTING REQUISITES and standards of appropriate reporting are MANDATES NOT OPTIONS of reporting, even correct true claims NOT reported precisely according to requisites of certifiable compliant reporting PROCESS and or FORMAT ( ie METRO 2 DATA FIELD FORMATTED reporting 's ) are DEFICIENT of report-ability if not ABSOLUTELY documented and provable. I do not recognize the information listed below as having ever been demonstrated factual in reality much less certified compliantly reported in the mandatory processes of reporting and with the factually perfect and complete certified mandated format ( METRO 2 ) of reporting standard ( s ).

For the preceeding reasons among others, I here now EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY REPORTED be reported and DEMAND any deficiencies be ERADICATED else wise. I DEMAND in this lawful request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose for even the account inquiries of which to potentially initiate said alleged accounts, be them true or not, valid or not. OBVIOUSLY at a bare minimum any alleged reporting data furnisher would be necessarily required to at least be able to verify my complete file information EXACTLY AS I HAVE INDICATED ABOVE and NO OTHER WAY including full First and Last names, my current correct resident address Street Number and Street Name as well as City and State, my factually correct date of birth and the factually correct last four of my reported SSN #. ANY DEFICIENCIES require IMMEDIATE and COMPLETE ERADICATION of reporting PERMANATELY!

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 2021-11-13 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: Self Financial Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: U.S. BANCORP
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2021-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Olympic Collection Inc.
State: WA

Complaint narrative:
Hello, I received notice today that I am being sued for a dental bill for my son for {$180.00}. The collection company did not take all the necessary action to bring this bill to my attention. They did not call me multiple times, did not leave voicemail, did not text me and did not email me. My husband wasnt contacted either. They state they called and sent out a statement, but I have no notice of this and can with 100 % truth tell you I never received multiple attempts from this company at all. I have paid the bill in full, which after fees was {$440.00}. I want all record of this removed from everything. What they did was not right. You can not say you whispered to someone then sue them for not hearing. This isnt even on my credit report that I check weekly. They did not try to bring this to mine or my husbands attention before they decided to sue. My paper shows its was filed on XX/XX/XXXX at my court and today it was received on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: Sequoia Financial Services
State: CA

Complaint narrative:
XXXX has reported unvalidated and unverified accounts on my consumer credit report. I do not have a relationship with Sequoia Financial Services or XXXX XXXX XXXX, XXXX. I do not have a signed contract with the alleged debt collectors. XXXX has violated my right to privacy and failed to properly validate an alleged debt before placing the account on my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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 contacted each credit reporting bureau.Equifax, XXXX and XXXX XXXX requesting information and documentation of their procedures for validation and verification of information on my credit reports.i requested information under the FAIR CREDIT REPORTING ACT and FAIR DEBT COlLECTION PRACTICES ACT to investigate information and supply me with their method of verification and validation to include a copy of their procedures, name, address and phone number of each person contacted to verify the information and copies of ALL documents in my credit file to support this information such as the contact with my signature, receipts with my signature and all three have failed to provide me with this information.I have sent request for this information 3 times to each credit reporting bureau and still have not received the information or any deletion and was replied with a message that they have already investigated the information and verified it and will not re investigate it. 
I need the requested information to verify the information collected is valid, correctly reported and accurate as I plan legal action and need the information for my legal case.could you please have them provide me with the requested documents or have them delete these accounts as they have no proof of my obligation to pay or that the reported information is correct and accurate. 
Thanks in advance for any assistance. 
Sincerely, XXXX XXXX D.O.B XX/XX/1964 SS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I contacted each credit reporting bureau.XXXX, Experian and XXXX XXXX requesting information and documentation of their procedures for validation and verification of information on my credit reports.i requested information under the FAIR CREDIT REPORTING ACT and FAIR DEBT COlLECTION PRACTICES ACT to investigate information and supply me with their method of verification and validation to include a copy of their procedures, name, address and phone number of each person contacted to verify the information and copies of ALL documents in my credit file to support this information such as the contact with my signature, receipts with my signature and all three have failed to provide me with this information.I have sent request for this information 3 times to each credit reporting bureau and still have not received the information or any deletion and was replied with a message that they have already investigated the information and verified it and will not re investigate it. 
I need the requested information to verify the information collected is valid, correctly reported and accurate as I plan legal action and need the information for my legal case.could you please have them provide me with the requested documents or have them delete these accounts as they have no proof of my obligation to pay or that the reported information is correct and accurate. 
Thanks in advance for any assistance. 
Sincerely, XXXX XXXX D.O.B XX/XX/1964 SS # 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