vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-03 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: TX

Complaint narrative:
XXXX XXXX shouldn't be on my credit report. They never provided an opportunity to verify the debt, nor were they able to supply a written contract concerning the debt after I contacted them. They claimed to have secured this debt from a creditor I had never worked with. Per FCRA guidelines, this qualified their removal from my credit history. XXXX and XXXX have both removed them. I don't know what's taking Experian so long.

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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern : I have filed a previous complaint with XXXX, Transunion, and XXXX with no response. I submitted various letters to the above reference bureaus on different dates, with the last date to be given on XXXX, Can you please assist me in fixing the error. 

These are the facts : : Letter to Remove Inaccurate Credit Information I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. The following account is not mine XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report 3. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. This is a duplicate account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
6. The following account is not mine XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report 8. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. This is a duplicate account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
11. The following account is not mine XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit 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 2023-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Credit & Collection, Inc.
State: CA

Complaint narrative:
Nationwide ( XXXX XXXX ) filed a collection in XX/XX/2023 for a debt that is not mine. I have never lived in XXXX, TX and have no children. I disputed this with XXXX and it was removed but returned 30 days later in XX/XX/2023. I tried calling the collection agency again but their phone number recording says it is no longer in service ( XXXX ). This is not my debt and I need help removing it and preventing this company from trying to add collections to my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frontline Asset Strategies, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX has not verified the debt after 30 days upon receipt of a debt verification request. I was advised to send the letter to their third party collecting agency which is Frontline. Frontline refuses to provide verification and referred me back to XXXX even though federal law says they have to send it within 30 days of receiving that letter. I spoke to XXXX at XXXX at about XXXXXXXX XXXX on XX/XX/XXXX and she did confirm that frontline was their third party collector and that the certified debt verification request I had sent was on my file at XXXX. Since Frontline is acting as the collector for XXXX and they scanned the letter into my file, my rights will be violated as of XX/XX/XXXX because tracking shows the letter was delivered that day at XXXX XXXX. The tracking number for the letter is XXXX. I spoke to a XXXX at Frontline at about XXXX on XX/XX/XXXX and he confirmed that Frontline is collecting for XXXX and that they had received the letter. He also called me by the wrong name, was generally evasive and made me feel like this is something they do all of the time to evade federal law. Also the first time I called someone at XXXX they refused to give me their address for mailing a dispute because I would not verify my mailing address until the debt was verified. I believe this is also a violation of federal law because that is essentially not allowing me to dispute. Now that I look on the website for XXXX it has yet another collection agency with a different address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX XXXX XXXX I have received three credit card statements from a company I do not belong to. The company name is XXXX credit. First one received XXXX XXXX. Next one was XXXX XXXX. Lastly, today 's date in the mail for XXXX XXXX. I feel my voice not being heard and nothing is being done. I called the company, XXXX but they had no passion or concern to help even with proof that it is not me. I need this of my credit report because it is unfair and unjust. The statements I see belong to an account ending with XXXX. I own nothing under this account ending. I complain but still get statements in the mail to this date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: RFNA, LP
State: LA

Complaint narrative:
1. Opened Account with Republic Finance on XX/XX/XXXX, Republic sent me {$2500.00}, check in the mail. APR 12.00 per cent. Paid off in 12 months. 
2. Covid-19 hit Louisiana in XX/XX/XXXX, Unable to work at XXXX XXXX XXXX XXXX and XXXX halted my new business plans to a standstill. 
3. New loan approved, renewed 2 or 3 times, loan dates were XX/XX/XXXX to XX/XX/XXXX, balance financed was {$8200.00} and total note was {$12000.00}. Noticed a change in property used as collateral, portable building was added that my XXXX owned. Suspected Fraud and mentioned to Branch Manager, he stated I needed more collateral even with a XXXX Score of XXXX. Received constant harassing collection calls. My family was bombarded with calls. 
4. Enrolled in Debt Relief Program, XXXX XXXX with Republic Finance as a creditor. XXXX XXXX, who told me I was a great customer, would not agree to be listed as a creditor. I filed a complaint to the Louisiana State Attorney General 's Office. The AG 's Office stated this was not there jurisdiction and suggested I get my own Attorney. 
5. Republic filed suit in Civil Court on XX/XX/XXXX. The Branch Manager was a no show, Republic charged the Debt off on XX/XX/XXXX. I made a Motion to Compel Arbitration from the Judge and it was granted. As of today 's date I am in Arbitration Proceedings with XXXX XXXX XXXX and Republic Finance. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been working on my TransUnion credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. 

I am relocating for work and in doing so I had to pull my credit reports and found there were multiple addresses that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. 

Thank you for your prompt attention to this matter. 


The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX and there is XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-04-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: MARINER FINANCE, LLC
State: CA

Complaint narrative:
I am filing a complaint against Mariner Finance due to the practices of the company. Dealing with Mariner Finance I requested multiple times to not contact me until after XXXX Monday - Friday due to the circumstances of my employment. Not only has Mariner Finance violated my rights it was as if I never requested for them to not call me between the hours of XXXX - XXXX. 
Due to their violation, I requested {$1000.00} per violation. I am backing up my claim under Fair Debt Collection Practices Act : 15 U.S.C 16929C ( A ) ( 1 ) which states at any unusual time or place or a time or place or which should be known to be inconvenient to the consumer. In absence of knowledge of circumstances to the contrary ; a debt collector shall assume that the convenient time for communicating with a consumer.

Marnier Finance has constantly contacted me at numerous inconvenience times which could have led to other consequences at my employment, as a result they have violated my rights plenty of times but here are the most accurate times they have contacted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this was after I asked them not to contact me until after XXXX pm XX/XX/2023 XXXX am XX/XX/2023 XXXX pm XX/XX/2023 XXXX pm As you can see through the complaint, Marine has violated my rights which make it to where the company is responsible for {$1000.00} each violated. 
If you have questions, you can email me at XXXX or contact me at XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: NM

Complaint narrative:
I received a letter dated XX/XX/XXXX informing me of a debt owed to " XXXX XXXX for {$25.00}. Around the time that I received the letter I contacted XXXX to confirm that this is not the case, and they did confirm that my account is active with no negative balances or collections on it. At that point I decided to just drop the issue. Today XX/XX/XXXX I was clearing out my filing cabinet when I discovered the letter and decided to follow up with the debt collection company to see what was going on. I contacted Credit Corp Solutions on XX/XX/XXXX and informed them that this debt is not valid, that I have contacted XXXX and they have informed me there is no debt owed to them, nor is there a debt in collections. The representative did not believe me and instead told me I can pay the current balance or complete a fraud form. I then contacted XXXX once again on XX/XX/XXXX to confirm I have no balance, I talked to about 4 representatives who all confirmed there is no negative balance on my account, nor is there any collections for my account. I would like to formally complain about Credit Corp Solutions obviously fraudulent business practices. If need be I will obtain a lawyer to follow suit against this company to hopefully expose and prevent the fraudulent business practices this company partakes in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: GA

Complaint narrative:
This complaint is not sent in error I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Equifax has illegally and repeatedly placed false and erroneous items on my credit profile that they know do not belong to me. A representative on the phone admitted that this fraudulent account had been removed before and was somehow placed back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern : I have filed a previous complaint with XXXX, Transunion, and XXXX with no response. Can you please assist me in fixing the error. 

These are the facts : I sent letters to the credit bureaus multiple times inquiring about the removal of these unauthorized inquires Items were submitted on XXXX and various other dates. After pulling my report today I am seeing these items are still here. Can you please assist in getting the credit bureaus to respond and assist with taking care of these matters per the 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 non-monetary relief
Consumer complaint received 2023-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
For several years, Fifth Third 's so-called fraud algorithm has been disabling my card and blocking valid transactions I'm trying to make, but it does not stop any actual fraud. Their blocking of my card and transactions causes me huge trouble even though I call the bank before I make a major purchase or travel and give them specifics so they won't interfere with my transactions. They assure me they will not interfere, but then they do. On one occasion, after I told them pre-departure that I would be traveling in XXXX and they should NOT disable the card if they saw charges from XXXX, they disabled it anyway, stranding me in the middle of nowhere XXXX  miles from the nearest airport so I had to WALK for days carrying my luggage. 
Last year they blocked the transaction when I tried to buy a new XXXX from XXXX, and because they blocked it, I never got the computer. 
Last week when I knew I would be attempting to buy a XXXX again, and a XXXX XXXX, I called Fifth Third and said DO NOT BLOCK MY TRANSACTIONS. 
When I looked online today ( XXXX ) and saw that the XXXX and XXXX transactions were pending forever, and then when I tried to use my card at stores, I discovered my card was blocked by Fifth Third! 
I went to the closest Fifth Third branch ( XXXX XXXX XXXX, XXXX, Florida ). The manager, XXXX XXXX, was rude and ignorant. She did not help me at all and does not deserve to be a manager because she lacks the skills and temperament for it. 
I then had to call Fifth Third, be transferred, and get a code before the hold on my card was released. 
I received no notifications from Fifth Third about the blockage and would not have known except that I tried to use the card at point of sale. 
Fifth Third has created suffering, loss of money, and lost time for me, and they make sure you can't reach corporate. They have a fortress around their corporate officers who create the algorithms and policies that work against customers. 
Fifth Third is not a corporate criminal like XXXX XXXX and other banks, but they are incompetent, and some of their employees, such as XXXX XXXX, are hostile. 
They need to fix their systems so legit charges from customers are NEVER blocked. 
So glad there is a CFPB and that the GOP hasn't managed to defund and ruin it! Email, not phone, is the way to reach me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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