vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
Accounts : Radius global XX/XX/XXXX {$160.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries and account are in violation of 15 usc 1692g under section 5 ( b ). The account and inquiries are a result of fraud and identity theft and by law must be removed since they can not be legally validated. As the consumer and original creditor I do not validate or own these fraudulent items on my credit report. I have contacted XXXX  about reporting these items on my credit report and they were vague and dismissive.

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 2021-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Synchrony Bank decided to close ALL of my credit accounts with them. Mastercard, Amazon, Gap, Paypal Credit. I had never missed a payment and always paid the balance in full each month. My primary cards were the Mastercard and Amazon. 

I was using the Mastercard to pay legal fees ( $ XXXX worth ) because it gave me 2 % cash back on purchases. The card only had a {$12000.00} limit so I would submit a payment from my bank before the grace period was due on the card. Once the payment cleared and my credit was available, I would submit another amount to the attorney office. 

For purchases in XX/XX/XXXX, this was {$22000.00} and my account statement was $ XXXX. After this statement, I made another {$12000.00} in purchases and cleared the balance with a payment of {$11000.00}. At which point Synchrony decided to close all of my accounts. 

On this account I was forfeited the 2 % rewards on the last amount of {$12000.00} x 2 % = XXXX My Amazon account was closed with a rewards balance of {$120.00} My total lost rewards : {$360.00} The reason Synchrony gave me for closing my accounts : Activity on account ( s ) with Synchrony Bank indicative of high risk of failure to pay However I was paying the balance in full each month. I even gave them a copy of the invoice I was paying as well as a bank summary showing that I had the money to pay the fees.

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 2021-07-09 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: NJ

Complaint narrative:
Experian is reporting a student loan account from XXXX that was originated in XXXX. I have repeatedly requested verification that the account is mine - a signed contract, a promissory note, ANYTHING. I have disputed this account four times and every time get the standard " Verified '' from Experian without the method of verification I requested, without supporting documents, and without a human being reaching out to me. Both XXXX  and XXXX  did their due diligence and deleted the account - I sent Experian proof of this in XX/XX/XXXX and requested they follow suit. They once again ignored this request and auto-verified the account without requesting any proof from XXXX. I NEVER put my signature on a promissory note for an account from XXXX. I challenge Experian to provide ONE shred of evidence that this is my account. If they ignore this fourth attempt to remove this error my only other recourse is a lawsuit in which the discovery phase will require they provide said proof. Experian holds a lot of power over consumers and it is their duty to contact data furnishers like XXXX to validate my claim that this is not my account. Please provide me evidence or delete as this account is highly injurious.

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 2021-07-09 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:
I did not get any response from the credit bureaus regarding these accounts I disputed which is already over 60 days : XXXX Account # : XXXX | XXXX/XXXX  Account # : XXXX | XXXX/XXXX Account # : XXXX | XXXX Account # : XXXX | XXXX Account # : XXXX | XXXX Account # : XXXX | XXXX-XXXX Account # : XXXX | XXXX Account # : XXXX | XXXX XXXX XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: TX

Complaint narrative:
I sent in a credit dispute to Equifax over items along with my student loan information on XX/XX/21, the credit agency took off the current status of the accounts being in good standing and placed it as unknown. Left on the late payments, that was not true. The credit report for the XXXX student loans should show current and in good status for all months. It is not reporting accurately. Also I disputed the inquiries that I have no knowledge of and still have not had those inquiries removed. The inquiries should be removed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
My wages are being garnished without notice! I did not receive any notification of a lawsuit against myself, so I could not dispute it or reply to this lawsuit. Now my wages are being garnished leaving me unable to provide for my child, pay rent, and financially unable to live. I will have no choice but to file for bankruptcy! I plan on seeking legal action as well due to the lack of communication and non-notification of this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capitol System has reported inaccurate information on an XXXX XXXX account that is not mine. This account was on my credit report and has been removed from every bureau once already. I have reached out to have this removed and I am still receiving calls about this account. 

XXXX XXXX Account # XXXX This account was was put on my account at random and is only on my XXXX report. it was removed once and must be removed again. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: CA

Complaint narrative:
Trying to login to Experian 's website. Try to retrieve my user name using my birth date and social security number. Website says it sent an email to XXXX. This is not my email address. I don't have any addresses that end XXXX. I've tried many different ways to contact Experian to correct that but only run into automated responses that don't apply to this situation. I could find no way to contact a person. All phone number lead to automated systems that don't have an option for my problem and disconnect me if I try to get to an attendant.

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 2021-07-09 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: NJ

Complaint narrative:
I did not get any response from the credit bureaus regarding these accounts I disputed which is already over 60 days : XXXX Account # : XXXX | XXXX/XXXX  Account # : XXXX | XXXX/XXXX  Account # : XXXX | XXXX Account # : XXXX | XXXX Account # : XXXX | XXXX Account # : XXXX | XXXX-XXXX  Account # : XXXX | XXXX  Account # : XXXX | XXXX XXXX XXXX Account # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I did not get any response from the credit bureaus regarding these accounts I disputed which is already over 60 days : XXXX Account # : XXXX | XXXX/XXXX Account # : XXXX | XXXX/XXXX  Account # : XXXX | XXXX Account # : XXXX | XXXX Account # : XXXX | XXXX Account # : XXXX | XXXX-XXXX  Account # : XXXX | XXXX  Account # : XXXX | XXXX XXXX XXXX Account # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09 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: Navient Solutions, LLC.
State: NJ

Complaint narrative:
XXXX is reporting a student loan account from Navient that was originated in XXXX. I have repeatedly requested verification that the account is mine - a signed contract, a promissory note, ANYTHING. I have disputed this account four times and every time get the standard " Verified '' from XXXX  without the method of verification I requested, without supporting documents, and without a human being reaching out to me. Both XXXX  and XXXX did their due diligence and deleted the account - I sent XXXX proof of this in XX/XX/XXXX and requested they follow suit. They once again ignored this request and auto-verified the account without requesting any proof from Navient. I NEVER put my signature on a promissory note for an account from Navient. I challenge XXXX to provide ONE shred of evidence that this is my account. If they ignore this fourth attempt to remove this error my only other recourse is a lawsuit in which the discovery phase will require they provide said proof. XXXX holds a lot of power over consumers and it is their duty to contact data furnishers like Navient to validate my claim that this is not my account. Please provide me evidence or delete as this account is highly injurious.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
My wages are being garnished without notice! I did not receive any notification of a lawsuit against myself, so I could not dispute it or reply to this lawsuit. Now my wages are being garnished leaving me unable to provide for my child, pay rent, and financially unable to live. I will have no choice but to file for bankruptcy! I plan on seeking legal action as well due to the lack of communication and non-notification of this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: TX

Complaint narrative:
Inquiries : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries on my credit report are in violation of 15 usc 1692g and 15 usc 1692c. These items were not initiated by me and I have no knowledge of how they came to be on my credit report. According to the law and us codes provided they are fraudulent and illegal because they can not be verified or validated legally. As the original creditor and consumer, I do not validate these items on my credit report. I have contacted Equifax and they have acknowledged on a recorded call that these items are indeed fraudulent but yet they were not willing to cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I called Equifax because I was having a problem with there reporting. I have had a loan company who denied me a loan because they couldn't get a report from Equifax. XXXX XXXX XXXX XXXX I called and tried to talk to someone there at Equifax and they wanted copies of my DL and SS card sent to them, after getting all the other information to identify me. And refused to help me till I send them that. I told him I didn't feel comfortable sending that as well as giving him all my other information. I am working to better my credit and they are post negative information about me and refuse to help. They have neglected to post any of my accounts that I have. That show up on other reports. They are harming me by sending negative and false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
Approximately around XXXX or XXXX of XXXX I noticed a debt collection from Convergent for XXXX XXXX in the amount of {$290.00}. The account open date on the credit report is XX/XX/XXXX. I dispute this item with all three credit bureaus on XX/XX/XXXX and the dispute was returned verified, however the requested copies of my wet signature for this account was not received from the verification of this account. In addition, the date the account was opened I was no longer living in the area that XXXX XXXX services. 

On XX/XX/XXXX I sent a certified letter to the collection agency. The collection agency received the letter on XX/XX/XXXX and I have yet to receive a reply from them. All documents will be attached. 

Thank you advance for your prompt assistance and attention in this matter.

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 2021-07-09 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: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
On XX/XX/2021 Portfolio Recovery Assoc added two derogatory marks on my credit reports per XXXX XXXX along with XXXX XXXX, one in the amount of {$680.00} and one for {$950.00}. My request for the debt to be validated and sent to me was not resolved which I requested certified mail in XX/XX/2021. Upon further research, this account was transferred/ sold, and I am no longer responsible for this account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to FCRA PORTFOLIO RECOVERY assoc has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09 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:
I haven't got responses from the credit bureaus despite of multiple dispute letters I sent for these accounts : XXXX XXXX Account # : XXXX | XXXX XXXX  Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: DE

Complaint narrative:
I have been hit with over XXXX in NSF/Return check Fees. I have a lot of my payments coming out automatically via ACH or via debit card. It has becoming a recurring process, that causes me to continually be overdrawn. This has been going for at least several months. I tried to be proactive and lock me card and payments still came out. I think the fees are extremely excessive. I called the bank on XXXX to get assistance with getting the fees refunded, they only refunded one fee. I appreciated the efforts of the agent, but this solution was ridiculous.

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 2021-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Called creditor also called TransUnion Credit Reporting company without any success.I have over 30 something inquiries that I didn't not authorized from

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 2021-07-09 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: NJ

Complaint narrative:
I haven't got responses from the credit bureaus despite of multiple dispute letters I sent for these accounts : XXXX XXXX Account # : XXXX | XXXX XXXX Account # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I haven't got responses from the credit bureaus despite of multiple dispute letters I sent for these accounts : XXXX XXXX Account # : XXXX | XXXX XXXX  Account # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: AL

Complaint narrative:
Called creditor also called XXXX  Credit Reporting company without any success.I have over 30 something inquiries that I didn't not authorized from

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Called creditor also called XXXX Credit Reporting company without any success.I have over 30 something inquiries that I didn't not authorized from

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 2021-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2021 I, XXXX XXXX, Consumer and Original Creditor, sent in an affidavit of truth to TRANSUNION regarding incorrect information on my consumer credit report pursuant to 15USC 1681a ( 2 ) which states Exclusions that are not supposed to be reported on my consumer report. I have also called in to Transition to get these things removed and as of today they still remain. The information that is listed on my credit report is an invasion of privacy and it is also causing damage to my reputation as a consumer. I demand that these accounts be removed immediately as they are in direct violation of federal law as TRANSUNION will be held criminally and civilly liable for these violation pursuant to 15USC 1611 and 15USC 1640.

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 2021-07-09 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:
XXXX XXXX XXXX is inaccurately reporting on my Equifax Account

Company response to consumer: Closed with explanation