vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-21 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: LEXISNEXIS
State: NC

Complaint narrative:
I sent XXXX certified letters XXXX on XX/XX/2018 & XX/XX/2018 advising that I am not responsible for this insurance debt. I was never in an accident. l requested documentation a police report, etc. From the originator who sent me a letter back in XXXX. This information is being reported incorrectly on all of my credit reports as if it is a bankruptcy and checking XXXX XXXX Account ( XXXX ) because it can't be added as a collection debt. This is an illegal business practice on the part of the originator of the debt and LexisNexis. This debt was in dispute prior to it being placed on my credit report. This is not my debt, and it needs to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient notified me on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that my payments would be increasing. The emails directed me : " How to apply now Apply online : Visit StudentAid.gov to get started-it 's the easiest and fastest way to apply. 

Apply by fax or mail : Visit Navient.com and download an Income-Driven Repayment ( IDR ) application, or give us a call at XXXX and our automated voice response system can send XXXX to you. Then, return the completed form and supporting documentation to us by fax or mail. 

Fax : XXXX Mail : Navient, XXXX XXXX XXXX, XXXX XXXX PA XXXX XXXX Visiting the studentaid website on XX/XX/XXXX and even today XX/XX/XXXX I receive the message " Our records indicate that you are not due to recertify your income until XX/XX/XXXX. 

If this date has not hit yet, and you select this option, your servicer will not re-calculate your payment based on your updated information until XX/XX/XXXX. If you want your payment to be immediately recalculated, select the third option to have your payment recalculated immediately for the income-driven plan you are currently enrolled in. '' After a phone conversation with Navient, I was informed that they do not take any responsibility for the information present on studentaid, despite the fact that they directed me there as an option to recertify. The communications from Navient did not notify me that there may be an issue with recertification via studenaid. 

I am frustrated that Navient continues its pattern of directing me into forbearance. In order to recertify with Navient, I needed to put my now " past due '' accounts in forbearance while they process the recertification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting that my credit report dispute be reviewed. This is the XXXX attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reported inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. Please do not delete my credit report as this is a request to correct the certain errors on my credit report that I am pointing out to you. 
I take my credit report status very seriously as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. Please review and correct or review and delete the inaccurate information asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting and XXXX Account, has violated my rights. 

15 USC 1681 SECTION 602. A. states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code ( A ) subject to section 1681s3 of this title, any 15 U.S. Code 1681b - Permissible Purposes Of Consumer Reports 15 U.S. Code 1681 - Congressional Findings And Statement Of Purpose 15 U.S. Code 6802 - Obligations With Respect To Disclosures Of Personal Information 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681 - Congressional Findings And Statement Of Purpose 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 1681s2 - Responsibilities Of Furnishers Of Information To Consumer Reporting Agencies 15 U.S. Code 1681n - Civil Liability For Willful Noncompliance 15 USC 1692j. Furnishing certain deceptive forms

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've been disputing this inaccurate account months and filed several CFPB complaint, but Transunion never want remove it from my credit report. This account have been reporting XXXX days late XXXX times in a row for XX/XX/XXXX, XXXX. This account also been reporting XXXX days late XXXX times in a row for XX/XX/XXXX and 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 non-monetary relief
Consumer complaint received 2022-02-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my recent credit report I did not authorize the listed inquiries below please DELETE them from all three credit reporting bureaus due to Inaccurate Reporting I did not authorize any inquiries to be pulled either in writing, verbally or initialed. 
Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have new information pertaining to a complaint I sent to Experian XX/XX/2022. The complaint ID is XXXX. It has been well over 4 business days and they have not blocked the information that I listed in my identity theft report. Experian needs to follow directions pursuant to 15 U.S.C 1681c-2 ( a ). Here is this complaint I will also attach the proof that I mailed the documents to Experian related to my identity theft 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 non-monetary relief
Consumer complaint received 2022-02-21 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:
I am a victim of identity theft. XXXX has fraudulent accounts on my credit profile that must be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21 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: TX

Complaint narrative:
I am a victim of identity theft. XXXX has fraudulent accounts on my credit profile that must be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXXdays later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section XXXX ( XXXX ), it is plainly stated that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
I received a refund notice from XXXX on XX/XX/2022 for an item I returned. The refund went to the credit card ending in XXXX, XXXX XXXX XXXX. The credit card account is closed, therefore, I mailed and faxed ( fax # XXXX ) a letter to XXXX XXXX XXXX. As of XX/XX/2022, XXXX XXXX XXXX has not responded or sent the refund to 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 2022-02-21 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: Self Financial Inc.
State: MI

Complaint narrative:
Self Lender/ Lead Bank credit card was opened by me, however, card Was stolen in XX/XX/XXXX. After realizing months later that the card was stolen and had a balance I attempted to view the account online with no success. I notified Self Lender of the problem and was issued a new card that also took several months to be received. After receiving the new card, I did pay the balance and notified Self Leander that the missed balance was not from me but from the card being stole. I was told to write a GOOD WILL letter explaining the situation, which I did. This letter was denied and they refused to make the change on my credit report. I reached out to SELF in XXXX and XX/XX/XXXX asking for documentation that I called and reported the card stolen and that a new card was issued to me and I was told that I would receive that from " XXXX '', however, I only received statement that I had an account with SELF. Nothing stating that they had been notified of the card being stolen.SELF refuses to correctly report this account and the fraudulent activity. I never received any documentation that was promised, The account has been closed since XX/XX/XXXX and it is still reporting as a balance on my XXXX report as well as delinquent on XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: Radius Global Solutions LLC
State: AL

Complaint narrative:
I have previously filed a report stating the bills included in this report do not belong to me, Radious Global continues to report these accounts irresponsibly causing undue strain and stress in me. I am in the process of relocating to buy a home and my credit is reflecting these accounts prohibiting me from doing so. I would like these accounts removes as soon as possible. These accounts are being recycled to different debt collection agencies by XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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:
Between the dates of XX/XX/2022 and XXXX/XXXX/2022, I sent dispute notices to the following Credit Bureau 's ( XXXX XXXX, XXXX, and Equifax ). After 30 days, no response. 

According to your policy ( FCRA & FDCPA ), if no action is made within that period, all disputed item ( s ) must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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:
Between the dates of XXXX/XXXX/2022 and XXXX/XXXX/2022, I sent dispute notices to the following Credit Bureau 's ( XXXX XXXX, Experian, and XXXX ). After 30 days, no response. 

According to your policy ( FCRA & FDCPA ), if no action is made within that period, all disputed item ( s ) must be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This complaint is about the account # XXXX, which the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX claim I owe {$12000.00}. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ever had some contractural obligation to pay them for a debt that I dont owe, is a violation of the FCRA & FDCPA ; XXXX if XXXX XXXXXXXX XXXX / XXXX XXXX XXXX can not validate I have wrote to this company and Equfax over 30 days I Never get anything received back from this company this is the result of identity theft that amount I don't owe and never have any associated with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: NV

Complaint narrative:
An account appeared on my consumer report without any notice and knowledge to me. I was sent a letter dated XX/XX/XXXX from Caine & Weiner ( deceptively hidden ) in attempt to collect a debt of {$230.00}. This account is listed as being opened XX/XX/XXXX on my credit, but I am getting first correspondence of this debt in XXXX, a clear FDCPA violation. had never heard of this company and I did not know the account they're referencing so I reached out to request further information and deletion of this inaccurate account from all national credit bureaus. I sent my letter requesting validation of this debt dated XX/XX/XXXX. My letter detailed the timeline of this debt and it's illegal reporting, it also requested further information into this debt and a full investigation of the origins with written findings produced. I have been met with no follow up response, a letter to confirm receipt of my dispute and this investigation being open and this account is still reporting to my credit illegally without sufficient proof of valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: NY

Complaint narrative:
i had a phone plan with XXXX XXXX XXXX for one month and they told me the charge will be {$30.00} and when i got my bill it was {$280.00} ...... I called them and was trying to talk to them and nothing helped so if you can please help me I d'ont want this to effect my credit. I pay all my bills on time a I think its not fair that this wrong bill should effect my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
We obtained a loan for a mortgage from XXXX XXXX Bank. On or about XX/XX/XXXX XXXX XXXXXXXX XXXX transferred our mortgage to Countrywide Home Loans. We had issues with Countrywide Home Loans not properly paying our home owners insurance and escrow taxes for the home. We were forced to over pay due to making additional home owner 's insurance and tax escrow payments because of Countrywide 's error. Later on when Countrywide started to make payments for the escrow taxes on said loan, they made these payments to the wrong county and town. We again were forced to make addition payments. In XXXX we made an attempt to payoff our mortgage with Countywide Home Loans. Because of the discrepancies Countywide Home Loans caused us, we elected to have this matter sorted out and resolved in a hearing with a referee. We had officially paid off our mortgage with Countrywide Home Loans in XXXX. The final payment was made on XXXX XXXX. We received paperwork from Countywide Home Loans releasing us of our loan obilagation with them, as well as , county clerk recording documents. We were told by Countrywide Home Loans we had a credit balance in escrow and that payments for our account would be made accordingly until depletion and at that time bills would be sent directly to us for payment. The issue which is now pending is that in XXXX of XXXX we were served with a foreclosure proceedings from XXXX XXXX. This is now XXXX ( XXXX ) years after we satisfied our mortgage with our lender, Countrywide Home Loans. We are unsure why there would be any foreclosure proceeding made against us. We can not wrap our heads around this and make sense of why this is happening to us. We are unsure of all our options. Any help and guidance your department may lead us to would be deeply appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity bank is saying my payment is 30 days past due but I didnt receive a past due notice saying that the account was late. I made payment on XX/XX/18 for the outstanding amount which brought the account to a {$0.00} balance on XX/XX/18. They reported the account to XXXX when theyve already received my payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting and XXXXXXXX XXXX, has violated my rights. 

15 USC 1681 SECTION 602. A. states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code ( A ) subject to section 1681s3 of this title, any 15 U.S. Code 1681b - Permissible Purposes Of Consumer Reports 15 U.S. Code 1681 - Congressional Findings And Statement Of Purpose 15 U.S. Code 6802 - Obligations With Respect To Disclosures Of Personal Information 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681 - Congressional Findings And Statement Of Purpose 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 1681s2 - Responsibilities Of Furnishers Of Information To Consumer Reporting Agencies 15 U.S. Code 1681n - Civil Liability For Willful Noncompliance 15 USC 1692j. Furnishing certain deceptive forms

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