vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-27 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: MN

Complaint narrative:
On XX/XX/2021 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 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 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  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 2021-07-27 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: MI

Complaint narrative:
I requested a copy of my credit report and noticed I had inaccurate items reporting. I created a letter to request the validity of the accounts. I mailed letters on XX/XX/2021 without a response. I really would like help in this matter. The misleading information is causing me financial stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: MO

Complaint narrative:
XXXX is stating I have a bank card that was recently closed, and no card has been closed on my transunion report recently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27 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: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
XXXX is stating I have a bank card that was recently closed, and no card has been closed on my XXXX  report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: GA

Complaint narrative:
I reached out to my mortgage loan officer who I refinanced my home through about a year ago and I begin to start to process of purchasing a second home. She reviewed my credit with me and I noticed several accounts on there that are not mine. First there is a Bankruptcy on there. I reached out to the Bankruptcy court here in Ga and they was not able to locate a Bankruptcy under my social so that needs to be taken off immediately. There were several other accounts as well XXXX, XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, US DEP ED. There were also several inquiries that I know nothing about XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX. I have reached out and filed a compliant with the FTC and reach out to the police here. I am doing this on my own and need some help with this situation.

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 2021-07-27 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  and XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
A few weeks ago I looked at my credit report. It said I had 5 negative marks all from Rash-Curtis and associates, 1 was for XXXX XXXX XXXX 2 from XXXX XXXX XXXX and 2 from some company called same-day heating plumbing and air conditioning which I had never heard of. I contacted rash Curtis and associates about the same day heating plumbing and air-conditioning. Which was approximately two debits of {$700.00} each. When I asked for the information about this company they refused to give it to me and said they were going to request it from their higher level dept. and that they would get back to me shortly. They did not respond. At the same time I submitted a dispute with XXXX XXXX to try and expedite this situation. I am waiting for the letter from XXXX XXXX that has all the information about the dispute. I can send you a copy when I receive it. Which will prove that they have somehow falsified information. Today I went on to the XXXX XXXX website to check the status of the dispute and to my surprise found that the same-day plumbing heating and air conditioning name had been removed and two NEW debts had appeared from the XXXX XXXX XXXX for the exact same amounts as the two debits from the same day plumbing heating and air conditioning company. Then I called XXXX XXXX and they said that The dispute ended in the favor of Rash Curtis and associates. Because their information was believed to be correct! I am currently waiting for a call back from XXXX/XXXX  wellness center to provide the correct amount owed and the correct number of debts Owed. Furthermore I have not received one letter From Rash Curtis and associates prior to a few weeks ago. After my communication with them regarding this issue! So I dont believe I should have to pay for added costs because they did not notify me appropriately. My address has been posted on XXXX XXXX, XXXX, and XXXX  for more than 20 years! And when I was on the phone with them they did a credit check without my permission and took my credit score down. This is very suspicious behavior, and I believe that Rash Curtis and associates needs to be held accountable for it!!! This misrepresentation has caused a lot of damage and confusion, with credit companies and makes me look like I dont pay my bills, which isnt true!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
I owed money on a car that I had to surrender due to loss of employment back in XXXX. I was told by Santander that it was charged off but the debt kept on getting added back to my credit report every year. I had to dispute it every year to get it removed, they added it back to my credit report this year ( XX/XX/XXXX ) as a brand new collection account with no reference to the XXXX Santander account. I called XXXX and spoke to a lady that agreed to send me an e-mail that links the original Santander account to the new collection account they posted, XXXX became aware we needed this to proceed with our home loan and hijacked the call. I asked XXXX XXXX ; who is the Vice Executive Presdident of Operations for XXXX XXXX XXXX, to send me an e-mail with a report stating that this was for the Santander XXXX account not a new account but he refused to because I needed this to prove to my lender that this was not a new account which XXXX  was trying to make it look like, and even lied to me saying that this is not linked to the XXXX Santander account and it was a new debt as of XXXX. Since the way they posted it to my credit it makes it look like it is a new collection account. He told me over the phone that he will not help us close on our new home ( sending me a debt verification e-mail ) unless we paid him {$4000.00}, otherwise he isn't going to send over anything to verify the debt with our lender. His name is XXXX XXXX with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Oasis Legal Finance Holding Company, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX, I became aware of several issues due to a mortgage company performing a soft pull on my credit without express consent or authorization from me. In fact, I never contacted or spoke with XXXX XXXX. They mailed me a copy of my credit report, and it stated that I have a Code XXXX : Too many consumer finance company accounts. For some reason, my XXXX  account was " unfrozen '', which I had placed a request at least 1.5 years ago for an XXXX  account freeze. 

On XX/XX/XXXX at XXXX, I called XXXX  and spoke with agent XXXX . He stated that the " too many consumer finance company accounts '' were because Oasis Financial did 2 " hard pulls '' on my credit : XX/XX/XXXX, and XX/XX/XXXX. l have a worker 's comp case that has been active for over 2 years now. I was assured by XXXX at Oasis that Oasis " never pulls credit '', because they have a lien against the case. I was told this several times by XXXX, but Oasis went and did a " hard pull '' on my credit without my express authorization! I was told by XXXX at XXXX  to : 1.File a complaint with the FTC 2 . File a police report, which I will do tomorrow. 

XXXX also placed a Fraud Alert on my account, which will be relayed to the 2 other credit bureaus. The Fraud Alert Number is : XXXX. I need to 2 " hard pulls '' against my credit! taken off, because I was assured several times by XXXX and other associates that Oasis does not check credit, which is untrue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX  Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

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 2021-07-27 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:
Mid land Funding is reporting inaccurate information to all three credit bureaus for credit one bank. The company is reporting the wrong balance, past due amount, last reported, date of last active, and date of last activity. This is a violation. I have disputed this information several time starting with XX/XX/2021. I have attached my first letter.

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 2021-07-27 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: AL

Complaint narrative:
XXXX XXXX  XXXX is reporting inaccurate information to all three credit bureaus for credit XXXX bank. The company is reporting the wrong balance, past due amount, last reported, date of last active, and date of last activity. This is a violation. I have disputed this information several time starting with XX/XX/2021. I have attached my first letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27 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: NY

Complaint narrative:
I did not consent to, authorize, nor benefit from any of the following Accounts. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX/XXXX  Date Opened : XX/XX/XXXX Amount : {$370.00} XXXX Date Opened:XXXX Amount : {$0.00} XXXX Date Opened XXXX XX/XX/XXXX Amount : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Amount : {$8600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I originally sent letters to all 3 credit bureaus regarding inaccurate information I found on my report on XX/XX/21. Referencing an alledged account with credit acceptance and inquiries that were also unauthorized. The letters were all sent certified mail and verified as recieved. 3 weeks later I recieved letters from each bureau. XXXX  notified that they have corrected the issue by deleting the referenced credit acceptance account from my account but have yet to remove inquiries. Equifax and XXXX  have both claimed to have verified the information with the creditor as accurate. I have sent letters to both bureaus on XX/XX/21 requesting the method in which they verified those accounts and I am still waiting on response. Credit acceptance has not responded at all. 

I have attached a screenshot of this account on my report where you can clearly see this account has been RE-AGED by the creditor which is a clear violation of law. Obviously the processes and procedures of Equifax, XXXX  and Credit XXXX  are all flawed and are not setup in a way to be accurate and fair to its consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I originally sent letters to all 3 credit bureaus regarding inaccurate information I found on my report on XX/XX/21. Referencing an alledged account with credit acceptance and inquiries that were also unauthorized. The letters were all sent certified mail and verified as recieved. 3 weeks later I recieved letters from each bureau. XXXX  notified that they have corrected the issue by deleting the referenced credit acceptance account from my account but have yet to remove inquiries. XXXX  and Experian have both claimed to have verified the information with the creditor as accurate. I have sent letters to both bureaus on XX/XX/21 requesting the method in which they verified those accounts and I am still waiting on response. Credit acceptance has not responded at all. 

I have attached a screenshot of this account on my report where you can clearly see this account has been RE-AGED by the creditor which is a clear violation of law. Obviously the processes and procedures of XXXX, Experian and XXXX XXXX  are all flawed and are not setup in a way to be accurate and fair to its consumers.

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 2021-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/2021 my bank ( Navy Federal Credit Union ) sent me letter for the transfer of {$18000.00} to XXXX XXXX XXXX  in XXXX XXXX which i requested. I provided them this account number ( XXXX ) on the check and this address ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, California XXXX ) but they omitted the XXXX XXXX. 

The check went and it was endorsed and cashed at XXXX XXXX XXXX  on XX/XX/2021 onto Account Number XXXX. 

XXXX XXXX contacted me again that they have not receive the money. I went back to Navy Federal Credit Union on XXXX XXXX, XXXX to inform them of what has happened. They sent me to go to XXXX XXXX XXXX  to ask about the account used to cash the check if the account belong to Navy Federal Credit Union in XXXX XXXX and i did. XXXX XXXX XXXX  told me that they can not deal with me since the check came from Navy Federal, so they have to open fraud investigation and work with their fraud investigation team. I went back to Navy Federal Credit Union, and they are not willing to do it. They are trying to distance themselves. 

I have also called Navy Federal Credit Union also to investigate the account use if it was for them and transfer the money to close my loan account and they are also refusing to do that. I have provided them a copy of the check and the endorsement and my statement that show the transfer of {$18000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PENTAGON FEDERAL CREDIT UNION
State: AR

Complaint narrative:
being charged billing fee!

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 monetary relief
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Resurgent Capital alleges I owe them money for a credit card debt. The debt never existed. I have request they provide proof of the debt. The attachment is what they provided me that they claim is proof of the debt. They made up this alleged debt on their computer. I made up the same kind of documents on my computer and sent it to them. Legal proof of a debt as defined by the fair credit act is 1 : Credit card receipt with my name on it 2 : Credit card contract 3 : Phone records where I allegedly activated this credit card. The document the company submitted as proof of debt was fabricated by them. Read their XXXX  complaints and their CFPB complaints. They have tried to scam many people by making up fictions debts. If they can not legally prove ( Which they have yet to do ) this debt then I want their trade line removed from my XXXX  and XXXX  credit report.

Under CFPB guidelines ( as I understand them ) for debt verification a debt collector must provide a receipt with the person name on it or a contract between the original company and the debtor or phone records showing conversations between the debtor and original owner of the debt. Resurgent has not provided any of that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: NY

Complaint narrative:
I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX Date Opened : XX/XX/XXXX Amount : {$370.00} XXXX Date Opened:XXXX Amount : {$0.00} XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX Date Opened XXXX XX/XX/XXXX Amount : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Amount : {$8600.00} XXXX Date Opened : XX/XX/XXXX Amount : {$2200.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX  : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation