vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-07 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: IL

Complaint narrative:
I have been trying to dispute 2 bankruptcies on my report. Chapter XXXX file number XXXX and XXXX XXXX file number XXXX. Experian sent me a letter back saying the information was verified by the bankruptcy courts. I have a letter from the courts advising they do not give that information to the credit bureau. I sent that information to Experian and guess what. Instead of removing the files of my report, they just updated my dispute and said it has been verified. I have attached the paperwork below. How is this verified and the court advised they did not provide you the information. This has been going on for months now with Experian and now, they just flat out lied again instead of deleting the information. Now when calling and I enter my social, they send me to a fraud department and I can not get an agent on the phone. They are violating the FCRA and my rights. I have proof they did not get the information from where they say they did.

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 2021-07-07 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: TX

Complaint narrative:
In XX/XX/XXXX I was contacted by a debt collection agency about a XXXX  card that had not been paid from XXXX through XXXX. I was not aware of the payment statements because it was only going to my spam folder. Once notified, I paid the amount due of roughly {$270.00}. 

Nonetheless that has stayed on my credit report ever since, as " Paid, was a charge off, '' Despite several efforts in XXXX to get the credit reporting agencies to investigate and dismiss the claim because it was paid in full, it has remained there. 

I want to try to get a refinance on my house and this single derogatory notation is hurting my ability to get a favorable rate. It has been six years. It needs to 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 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I contacted and sent over correspondence to Lvnv funding stated my account with the previous creditor was included and discharged in my bankruptcy. They are still trying to collect on this account despite having court documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: RI

Complaint narrative:
On XX/XX/28 I received an email from XXXX XXXX ( XXXX indicating I had a debt and they were going to proceed with legal action against me. 

I replied and said to stop any and all emails/phone calls and to please provide me with proof of debt by mail to my home address, which I provided. 

On XXXX, I received another email - copied below : Dear XXXX, The Fraudulent customers like you don't deserve any type of sympathy from the company side. 

Sent you lots of e-mails but you did not respond to any of our e-mails. 

You can't even imagine what legal consequences you will be facing you might lose your all money at once and your credit report will be thrashed your bank account will be frozen and your current Employer should also get notified, You might lose your job also. 
Now it's up to you to settle your case file outside the courthouse, else by tomorrow the case will be downloaded and you will be sent court summons to your postal address. 
We apologize for using these harsh languages but you have forced us to use these languages. 

If you cooperate with us we can resolve it out of the courthouse. 

Kindly get back to us ASAP. 


Best Regards. 

I again replied and told them to STOP ANY and ALL correspondence by email/phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX Citizens bank charged me an overdraft fee of XXXX dollars and my account never overdrafted When I tried getting it fixed I got every excuse from you cant see what we can see on the app we provide you so you need to log into a computer and check your actual account to make sure they match clear to the transactions that you have your card set to not be able to make if you dont have money overdrafted it, to we cant just take XXXX dollars out of your savings so you dont overdraft your account even though you have it, we instead need to charge you XXXX and it doesnt matter if you have it set up to not be able to use your card if its going to overdraft I am sending pictures They charge what I can see and what days things are where on my ledger constantly and I feel like its a dishonest deceitful means to obtain overdrafts from ppl who had money in their accounts and wouldnt normally do it Its shady Its unethical And they need to go by what they show the customer on their ledger and not use the excuse well you cant see the same stuff I can Ok why??? Thats disturbing My version of my money I let Citizens hold, shows I never went into red

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I have regularly made payments monthly, and well above the minimum due. In some instances I have also made more than one payment. However, Citi states that because of a " penalty '' they raised by interest rate from roughly 16 % to 30 %? Even after proving through my statement that I made a {$500.00} payment on XX/XX/XXXX ( due date XXXX ) this caused penalty which raised my rate.

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 2021-07-07 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: NJ

Complaint narrative:
XX/XX/2021, I SENT IN A LETTER DISPUTING ERRORS I HAVE FOUND ON MY CONSUMER CREDIT REPORT. TODAY IS XX/XX/XXXX AND I HAVE YET TO RECEIVE RESULTS OF AN INVESTIGATION OR ANY RESPONSE FOR THAT MATTER INFORMING ME IN ANY WAY. AS STATED IN MY LETTER, AFTER RECEIVING A COPY OF MY CONSUMER CREDIT REPORT I HAVE FOUND SEVEN ( 7 ) ERRORS THAT NEED TO BE INVESTIGATED AND REMOVED. NOT ONLY HAVE I BEEN PATIENT BUT I HAVE PROVIDED SUFFICIENT TIME FOR THIS COMPANY TO COMPLY WITH FEDERAL LAW AND THEY HAVE FAILED TO DO SO ACCORDINGLY OR AT ALL.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
XX/XX/2021 I made an online purchase charged to my XXXX XXXX Card. My credit score dropped from XXXX to XXXX for no apparent reason. I attempted to " un-freeze '' my Transunion credit. Transunion would not unlock and does not reply to my email on file and locked my account, referring me to their online tech support. Tech support is for computer connectivity problems, not unlocking my account or unfreezing. I made an additional request, filling out all personal information Transunion requested to have access, to no reply or avail. Credit utilization 0 %, no missed payments, no new activity, XXXX current credit card balance, with over XXXX available 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 2021-07-07 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: PA

Complaint narrative:
I can not access my free credit report from credit report.com. I was told electronically from that site to verify I have a XXXX department store card and a car loan which I have neither. 

I then called equifax for my credit report. They told me they needed more information. I faxed them all of my personal information which included my drivers license, social security card and birth certificate. I never heard back from equifax and when I called them they transferred me endlessly and I never got the opportunity to get confirmation that my documents were received. Nothing was ever resolved with equifax. At that point I just gave up. I spent at least XXXX dollars faxing all my information to equifax for basically nothing. 

I established my social security account today if that helps. I only have a checking account. I have no credit cards or loans. Im a XXXX XXXX XXXX college student who still lives at home. I really want to see whats on my credit report. I have never seen it and want to resolve any discrepancies there may be if any. Thank you for any help you can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
This company claims that I owe a balance to them, yet they do not have a complete repayment history, Promisory Note or sufficient origination documentation to support the claim. The payment history they can produce reflects the introductory interest only payments well into the full repayment period. I have tried over the past two years to resolve the problem. I have repeatedly requested the balance be reevaluated and told them that if there was a small remaining balance, I would gladly pay it. Each time I speak with a representative or specialist, they have little to no record of past communication, written or verbal. They continue to report negative information on my credit, and every time I try to dispute the debt reflected on their core system, I am told that I am responsible for providing documentation supporting that I don't owe this debt and that they are not required to keep any documentation older than one year. At one point I provided a claims specialist named XXXX with several statements showing that the loan was in the repayment period for a time when their records showed interest only. Those statements proved that I was paying more than double what their system records reflected. After that, Navient stopped reporting the balance to the credit companies. I thought the matter was over until the reporting started again and the company didn't have records of me working with XXXX. XXXX could no longer be reached on her " direct line '' and Navient reps said no documents were received. 
It is next to impossible for the consumer to compile deposit account records to show over a decade of repayment history and prove they no longer owe a debt. Shouldn't the burden be on the owner/servicer to provide documentation in order to accurately calculate a loan balance or prove that any debt is owed? I paid my debt timely and in good faith for the term of my loan. 
For consideration ... when my student loans were consolidated with XXXX XXXX, they were duplicated on their system and ultimately on my credit report. The error was discovered when I applied for a home loan, and was successfully disputed with the credit companies. The balance Navient is claiming is so large that I'm concerned the loan they are trying to collect on was a duplicate electronic record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
The original loan was with Credit Acceptance and the amount was for {$11000.00}. The loan is now at {$22000.00} which is 50 % interest rate. The car was a lemon and told them we wanted to do a voluntary repossession. They never came to get it. They then sold the account to XXXX XXXX XXXX XXXX. They took us to court and won the judgement and a lien was put on our bank account and then emptied. Credit Acceptance is still reporting on my husbands and my credit reports when they sold the account. The original loan was opened XX/XX/XXXX. The judgement that XXXX XXXX received against us was XX/XX/XXXX. I want credit acceptance to be removed from our credit reports as the account holder. They just dropped our scores over XXXX points because they reported it as 180 days late, which was years ago, and added another {$100.00} to the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: AL

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have 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 2021-07-07 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In 2018 XXXX  removed the fraudulent accounts, addresses and names on my credit report and now they are all back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. 
It has been well over 30 days and i still haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: MoneyLion Inc.
State: TX

Complaint narrative:
This is a 3rd time I am filing a complaint to Money Lion regarding my dispute ( dispute file # XXXX ) for a fraud transaction taken place on XX/XX/2021. Even after explaining and doing everything I can possibly which I was requested by a representative XXXX at Money Lion to prove money was never received by my bank or to me, even have performed a three way calling with the bank representative and confirmed they have never received the funds back but still Money Lion refuses to give my money back in the amount of {$1000.00}. 
This has been a very long process and a very much stressful frustrating experience. 
I will continue to fight for my rights as a consumer in receiving my money back from Money Lion on this fraud transaction because it is very much clear Money Lion still has my money because my bank confirmed they've never received in their system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX Capital One XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Virginia XXXX XXXX : Account number : XXXX To Whom It May Concern, This letter is a formal dispute and request to remove late payments from my credit report. The information is incorrect, untrue, and the laws pertaining to furnishers reporting late payments is quite clear. I have outlined it below : Section 623 ( a ) ( 7 ) requires a financial institution that regularly reports negative information to nationwide CRAs to provide one clear and conspicuous written notice of that practice to consumers, no later than 30 days after first reporting such information. My research has found this notice is typically found on monthly statements, however : 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) Negative information ( E ) Use of notice without submitting negative information No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency.

Additionally, FTC Advisory Opinion to Harris ( 03-22-99 ) states : " Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. This opinion goes on to address the reporting of late payments stating this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct.As you can see the law and FTC opinion state that you, the furnisher, are NOT legally bound to report negative information. Please refrain from continuing to report the late payments on my credit reports. The account is current, and thus, you have a duty to correct and update the negative reporting of late payments. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX

Company response to consumer: Closed with explanation