vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-23 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: CA

Complaint narrative:
I have recently noticed upon running my credit to purchase a home for the first time that I have a 30 day late payment associated with my credit card account with XXXX XXXX XXXX XXXX. this was back in XX/XX/2018. What happened was months before that I have been paying my balances manually online, and in XXXX had decided to use their App auto-pay on my XXXX for convenience purpose since its how I pay my other cards anyways. The transition to auto-pay was not as smooth as it did not take my payment for that month and it is understandable since the app did not have my correct statement ending balance so it will not take my payment. I had called XXXX customer services regarding this matter during XX/XX/2018 and it was a recorded call. In that conversation, I had told them what had happened and the reason why the payment was late. The customer representative at that time apologized for the inconvenience and had waived the late fee I had incurred. My payments were never late before and after this occurrence with any account I have under my name unless there was an error. 

I contacted XXXX XXXX XXXX XXXX and had asked them why they reported my payment being late for 30 days. I had thought that they would not report this matter because it was a system error on their end that resulted in my payment not being processed on time. I had explained to the agent what the conversation was during that time and what our resolution was but the customer representative had told me that she can not do anything but will tell her supervisor regarding the matter, I had closed my account with them because of this upsetting situation I have been a responsible account holder for years and was misled to believe that they had fixed and acknowledged that it was a system error but reported me to the credit bureau anyways.

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 2020-04-23 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: FL

Complaint narrative:
FAILED TO HAVE COPY OF THE ORIGINAL CREDITORS DOCUMENTATION ON FILE TO VERIFY THAT THIS INFORMATION IS MINE AND IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: CA

Complaint narrative:
I have contacted XXXX, Equifax and XXXX  on several occasion throughout the year regarding my credit report not reflecting accurate information. They never did a proper investigation and still information is showing up. I am a victim of identity theft and I have told them that following information being reported is not accurate. 

XXXX  XXXX XXXX XXXX XXXX XXXX I have never had any accounts with them and these were opened fraudulently. XXXX  XXXX is showing balance of XXXX, XXXX XXXX XXXX and XXXX XXXX has no information. I need XXXX  Equifax and XXXX  fix my credit and report accurate information this has caused me loosing my job and not being able to find a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: CA

Complaint narrative:
I have contacted Experian, XXXX  and XXXX  on several occasion throughout the year regarding my credit report not reflecting accurate information. They never did a proper investigation and still information is showing up. I am a victim of identity theft and I have told them that following information being reported is not accurate. 

XXXX  XXXX XXXX XXXX XXXX XXXX I have never had any accounts with them and these were opened fraudulently. XXXX XXXX is showing balance of XXXX, XXXX XXXX XXXX and XXXX XXXX has no information. I need Experian XXXX  and XXXX  fix my credit and report accurate information this has caused me loosing my job and not being able to find a new one.

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 2020-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: American Credit Acceptance, LLC
State: MS

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not to be authenticated as per my requirements as you are damaging my character, creditworthiness, and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: New Century Financial Services, Inc.
State: MI

Complaint narrative:
Money was garnished over the last 4 months XXXX XXXX, from my payroll check from an alleged debt from XX/XX/XXXX. Approximately {$4500.00} has been taken. I am a consumer and natural person pursuant to 15 U.S.C. 1692a ( 3 ) and also the creditor pursuant to 15 U.S.C. 1692a ( 4 ). This information was sent by certified mail and my finances have not been returned to me in pursuant to 15 U.S.C. 1692. The date of the alleged debt is well past 10 years pursuant to 15 U.S.C 1692a ( 5 ). My company was contacted and instructed to garnish and send my finances to an individual named XXXX XXXX XXXX, court officer of the Superior Court of New Jersey, Special Civil Part XXXX County of XXXX. This is against 15 U.S.C. 1692e ( 9 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: FL

Complaint narrative:
XXXX, XXXX  AND XXXX ARE REPORTING NEGATIVE ACCOUNTS ON MY REPORTS THAT ARE NOT MINE. THIS ACCOUNTS. 
XXXX XXXX XXXX, XXXX  XXXX XXXX AND XXXX XXXX XXXX WERE REMOVED AND PLACED BACK ON MY REPORTS WITHOUT MY KNOWLEDGE, PERMISSION, APPROVAL OR NOTIFICATION. 


NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hi my credit report shows US bank account I have never authorized anyone to open an account with US bank I have called them to let them know that I am a victim of identity theft, however they haven't done anything. I need US Bank to delete this from my records and report accurate information to all 3 credit reporting agencies.

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 2020-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I CONTACTED THE BANKRUPTCY COURT AND THEY SENT A LETTER STATING THEY DO NOT REPORT TO ANY CREDIT BAURES AND ITS STILL REPORTING ON MY CREDIT PROFILE.

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 2020-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
XXXX, XXXX  AND XXXX ARE REPORTING NEGATIVE ACCOUNTS ON MY REPORTS THAT ARE NOT MINE. THIS ACCOUNTS. XXXX XXXX XXXX, XXXX  XXXX XXXX AND XXXX XXXX XXXX WERE REMOVED AND PLACED BACK ON MY REPORTS WITHOUT MY KNOWLEDGE, PERMISSION, APPROVAL OR NOTIFICATION. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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 XXXX account XXXX and XXXX XXXX XXXX account XXXX both should be deleted from my credit file according to the settlement agreement documents that I have attached to this dispute. I mailed these same documents on XX/XX/2020 via certified mail for investigation but it does not appear they were not used in the investigation of my dispute that was assigned Experian report number XXXX. These documents show that I settled in full both accounts and that XXXX XXXX XXXX will request deletion of both tradelines.

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 2020-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX, XXXX AND XXXX ARE REPORTING NEGATIVE ACCOUNTS ON MY REPORTS THAT ARE NOT MINE. THIS ACCOUNTS. XXXX XXXX XXXX, XXXX XXXX XXXX AND Jefferson Capital System WERE REMOVED AND PLACED BACK ON MY REPORTS WITHOUT MY KNOWLEDGE, PERMISSION, APPROVAL OR NOTIFICATION. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Navient was sued by the United States Consumer Federal Protection Bureau and Pennsylvania Attorney General XXXX for their deceptive practices and more concerning Student Loan Debt. 
U. S. Department of Education was also involved and named in the Class Action Lawsuit.

Navient showed my account being adjusted due to claim, the settlement claim but the U.S. Department of Education never made any adjustments to my account as a result of the Class Action Lawsuit and at this moment during this Coronavirus Pandemic the world is facing, there are penalties being added to my account and deeply affecting my credit reports. 
It seems as though both agencies are still continuing their deceitful practices and handling of the Student Loan Accounts. U.S. Department of Education is not taking or accepting any part of these entries being part of Navient. Federal and Private Student Loan Accounts were handled by Navient and some were showing as double or triple accounts with penalties being added almost daily and being reported to the credit bureaus, affecting the credit scores and overall life. 
I am asking to have a copy of the results showing my Student Loan Account Forgiven in all as a result of the claim. I want a letter showing all account numbers, all of the amounts removed to include all penalties waived or reversed. 
Neither agency nor some of the employees seem to care about nothing else but to ruin other people lives even more so to included possibly having them XXXX or XXXX   themselves during this Coronavirus Pandemic. 
How can anyone try to help others when other people are doing a job to ruin lives with negative and incorrect entries on their credit life. 
Please read : XXXX XXXX XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCSPLUS INCORPORATED
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 can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
The Santander Consumer USA account had been charged off, and the vehicle has been returned to Santander Consumer USA. There appears to be an increased amount added to my charged off auto loan in the amount of {$770.00}. How can my account accrue charges if its charged off and closed? I want this item removed from my credit reports. And I will continue to dispute this being added after the vehicle had been returned to Santander Consumer USA and the vehicle is charged off. Im a XXXX military Veteran on a fixed income and do not need the extra burden that having this added to my account is causing. Im also an employee at the Veteran Affairs Hospital in XXXX Texas, on a limited schedule, and I am exposed to patients with Covid-19 on a daily basis. This is an unnecessary burden affecting my credit as if I didnt already have enough to worry about, having almost been evicted and facing homelessness in the wake of this pandemic affecting lives across the globe. They have their car, so I want my credit reports corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I CONTACTED THE BANKRUPTCY COURT AND THEY STATED THEY DO NOT REPORT TO THE CREDIT BUREAUS. AND THE INFORMATION IS STILL REPORTING ON 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 explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I HAD LEFT MY LAPTOP ON INSIDE A PUBLIC OFFICE. SOMEONE HAD MADE A TRANSACTION FROM MY ACCOUNT TO ANOTHER INDIVIDUAL WITHOUT MY AUTHORIZATION. THIS HAS HAPPENED BEFORE TO THE SAME INDIVIDUAL, PAYPAL DOES NOT ALLOW FOR ANY EXPLANATIONS AND CHOOSES NOT TO BELIEVE THEIR OWN CUSTOMERS. THIS IS THE 2ND TIME THIS HAS HAPPENED AND IM SICK OF PAYPAL HELPING THIEVES.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-23 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: TX

Complaint narrative:
The XXXX XXXX XXXX account had been charged off, and the vehicle has been returned to XXXX XXXX XXXX. There appears to be an increased amount added to my charged off auto loan in the amount of {$770.00}. How can my account accrue charges if its charged off and closed? I want this item removed from my credit reports. And I will continue to dispute this being added after the vehicle had been returned to XXXX XXXX XXXX and the vehicle is charged off. Im a XXXX military Veteran on a fixed income and do not need the extra burden that having this added to my account is causing. Im also an employee at the Veteran Affairs Hospital in XXXX Texas, on a limited schedule, and I am exposed to patients with Covid-19 on a daily basis. This is an unnecessary burden affecting my credit as if I didnt already have enough to worry about, having almost been evicted and facing homelessness in the wake of this pandemic affecting lives across the globe. They have their car, so I want my credit reports corrected.

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 2020-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Bureaus, Inc.
State: MO

Complaint narrative:
The Bureas reported to my XXXX, XXXX, and XXXX credit reports 2 collection accounts for XXXX XXXX in the amounts of {$600.00} and {$520.00}. The credit agency illegally placed this information on all three bureaus without sending me notification of the debts and the option to request validation and if validated to dispute. This illegal reporting has made a negative impact on my credit report. Also, the information to contact the lender is different on the credit reports. On the XXXX report the contact information for The Bureaus is XXXX XXXX XXXX XXXX, IL XXXX Phone number XXXX. On the XXXX report the address is XXXX XXXX XXXX XXXX XXXX XXXX, Is XXXX Phone number XXXX. Therefore making it difficult for me as a consumer to know which number and address is accurate to dispute or possibly settle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: NV

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$920.00}, {$4900.00}, {$19000.00}, {$8500.00}, {$960.00}, {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS -- 1. XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$920.00} -This is not my account. 










2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 


-- CLOSED ACCOUNTS -- 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$8500.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$960.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.

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 2020-04-23 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated
State: WI

Complaint narrative:
dont really know the dates but I think the card was used once after that it stopped working

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates account XXXX and Portfolio Recovery Associates account XXXX both should be deleted from my credit file according to the settlement agreement documents that I have attached to this dispute. I mailed these same documents on XX/XX/2020 via certified mail for investigation but it does not appear they were not used in the investigation of my dispute that was assigned XXXX report number XXXX. These documents show that I settled in full both accounts and that Portfolio Recovery Associates will request deletion of both tradelines.

Company response to consumer: Closed with non-monetary relief