vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-04 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. I'm not swayed that Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureau is reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

XXXX XXXX XXXXXXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I was contacted by Navy Federal Credit Union attempting to collect a debt from me that I never contracted or agreed to pay. They've been reporting negatively on my credit reporting and defaming my character since XXXX XXXX. I sent a debt validation letter to them and have yet to receive a response. Navy federal credit union has never supplied sufficient information to me in order to validate the debt. I do not agree with their actions. I challenge the accuracy and integrity of this information. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) states that date furnishers Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer.

12 CRF 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. 
Below I have attached a screenshot of all the inaccuracies attached to these accounts, along with these screenshots you will see the lack of integrity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-04 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 — Problem with personal statement of dispute
Company: Continental Credit Control
State: CA

Complaint narrative:
I ( XXXX XXXX XXXX was involved in a XXXX case along with my girlfriend ( XXXX XXXX ) and we were both sent to XXXX XXXX by XXXX, she was a representative for the XXXX XXXX XXXX XXXX XXXX XXXX and who we were ex clients of. We were sent to XXXX XXXX for treatment for our injuries. XXXX had stated that we won't have to pay for any bills whether it was a win or loss case. After the case was over, we both were getting bills from XXXX XXXX sent to our mailing addresses. I notified XXXX about the bills and she said not to worry about them, she wanted me to take pictures of the bills and send them to her because she stated that she will handle it. As time passes by, we checked our credit scores and we been wrongfully sent to collections when we were not at fault nor responsible. I contacted XXXX about the collections, she has been little to no help what so ever. We both filed and submitted a dispute late XXXX with XXXX and XXXX with mixed results. XXXXsunion removed the collections from my XXXX XXXX account on XX/XX/XXXX however, XXXX has not when it is the same dispute. I filed a dispute 3 times with XXXX and yet, results come back the same that it is accurate and that I am liable for the collections. I do not understand why XXXX removed the collections from my credit account within a week but not XXXX. I have screenshots of text messages with XXXX for supporting evidence to back up my complaint. Side note ; on XX/XX/XXXX, I spoke with XXXX XXXX XXXX himself and he said that he will be of assistance and write a letter stating that we are not at fault and shouldn't have been sent to collections. My girlfriend XXXX is also having similar problems but she will submit her own complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I purchased some item using the PayPal thinking that it will be safe form of payment since it provides protection for the buyer. However, when a problem occurred, PayPal did not fulfill its promise to cover the loss when item was not delivered. I filed the dispute and they denied my claim without properly investigating the incident. Case ID is XXXX. I have not received any valid tracking information or whatsoever and I did not receive the item. Therefore, I'm entitled to my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I ( XXXX XXXX ) was involved in a XXXX case along with my boyfriend XXXX XXXX XXXX XXXX and we were both sent to XXXX XXXX by XXXX, she was a representative for the XXXX XXXX XXXX XXXX XXXX XXXX and who we were ex clients of. We were sent to XXXX XXXX for treatment for our injuries. XXXX had stated that we won't have to pay for any bills whether it was a win or loss case. After the case was over, we both were getting bills from XXXX XXXX sent to our mailing addresses. XXXX notified XXXX about the bills and she said not to worry about them, she wanted XXXX to take pictures of the bills and send them to her so that she can handle it. She stated that we should not be paying any bills to any doctors that she referred us to. As time passes by, we checked our credit scores and we been wrongfully sent to collections when we were not at fault nor responsible. My boyfriend had contacted XXXX about the collections but, she has been little to no help whatsoever, she does not respond to his messages. We both filed and submitted a dispute late XXXX with Transunion and XXXX with mixed results. My boyfriend XXXX XXXX XXXX XXXX had his collections removed from his credit score account by Transunion but XXXX has not so he submitted his own complaint. As for me, Transunion has removed the collections from my credit account on XX/XX/XXXX. For unknown reasons, Transunion added the collections back to my account on XX/XX/XXXX. I tried calling them to find out why, no pick up. For XXXX, I filed the exact same dispute and I was not satisfied with my results. I do not understand why Transunion removed the collections and put it back into my account 5 days later. This is not a game, it is a serious problem and I do not appreciate how this is being handled by the credit bureaus. I also do not understand why my boyfriends collections has been removed by Transunion and mine has not when we both filed the same exact dispute, no changes or differences between our disputes. I have supporting evidence to back up my complaint, screenshots my boyfriend XXXX XXXX XXXX XXXX took of his conversations with XXXX. Side note ; XXXX contacted XXXX XXXX XXXX himself, he said that he will be of assistance and send a letter soon stating that we were not at fault and that we shouldn't have gotten sent to collections by XXXX 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 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: Chime Financial Inc
State: IL

Complaint narrative:
Beginning XX/XX/2021 my account info was stolen and used for malicious intent. All of my benefits were being put into the account and were stolen by theives ive lost money and my home I contacted the company who assured me I would get my money back after 10 days two months went by and I received a email saying my claim was denied. All of my claims filed throughout the year of XXXX  was denied with no reason why. The company says they have their reasoning but gives no information as to why they came to the decision I have been a chime member for over 4 years and this has happened many times and they are no help at all with solutions I have many ppl saying the same things this has to stop theyre letting people steal and get away with it with no regards to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: INTERCONTINENTAL CAPITAL GROUP
State: NY

Complaint narrative:
INTERCONTINENTAL CAPITAL GROUP doesn't interpret the law. INTERCONTINENTAL CAPITAL GROUP claims the consumer has no right to rescind due to the transaction not involving a principal dwelling but claims the transaction included an investment property which makes the right to rescind not applicable. According to Federal law 15 USC 1637a ( d ) the term principal dwelling includes any second or vacation home of the consumer. Federal law does not define what an " investment property '' is and also under subsection F which goes over transactions that are exempt from the right to rescind an investment property isn't listed as something exempt therefore it is not applicable. The Term Investment Property Can not be Found Anywhere in Contract With Consumer .... According to 12 CFR Part 1026.2 ( 24 ) a Residential mortgage transaction means a transaction in which a mortgage, deed of trust, purchase money security interest arising under an installment sales contract, or equivalent consensual security interest is created or retained in the consumer 's principal dwelling to finance the acquisition or initial construction of that dwelling. INTERCONTINENTAL CAPITAL GROUP claims this transaction did not involve a principal dwelling but says it was a residential mortgage transaction in which a residential mortgage transaction does involve a consumers principal dwelling i believe INTERCONTINENTAL CAPITAL GROUP doesn't understand what they are talking about and doesn't interpret the law correctly i would like this complaint escalated to the highest powers, INTERCONTINENTAL CAPITAL GROUP also claims this transaction is exempt from the provisions under 15 USC 1605. INTERCONTINENTAL CAPITAL GROUP once again fails to interpret the law as it expressly states under 15 1603 the subchapter doesn't apply to Credit transactions, OTHER THAN those in which a security interest is or will be acquired in real property, or in personal property used or expected to be used as the principal dwelling of the consumer and OTHER THAN private education loans ( as that term is defined in section 1650 ( a ) of this title ), in which the total amount financed exceeds {$50000.00}. which means credit transactions OTHER THAN these would not apply but since this transaction involves these criteria the subchapter applies to transaction questioned, therefore, isn't exempt from anything if the property wasn't intended to be consumers principal dwelling why were provisions of the contract state consumers obligation to occupy residence within 60 days as attached in attachments as exhibits PLEASE SEE ATTACHMENTS OF FRAUDULENT CONTRACT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I have noticed DEPT OF ED/XXXX  acct # XXXX reporting a debt that I never contracted or agreed to pay. They have reported negative and XXXX  information beginning XX/XX/2012 on my credit report. They have never given sufficient information to me in order validate this debt. I disagree with their actions. I challenge the accuracy and integrity of this information. 12 CFR 1022.41 ( a ) Accuracymeans that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

( d ) Integritymeans that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( ii ) Listed in section I ( b ) ( 2 ) ( iii ) of appendix E of this part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: FL

Complaint narrative:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2022-01-04 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: FL

Complaint narrative:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2022-01-04 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: FL

Complaint narrative:
My name is XXXX XXXX and Im submitting this complaint myself and there is no third party involved. I filed a dispute in regards to the incorrect item on my credit report, it has been well over 30 DAYS and I havent received any investigation results. BY LAW THIS ACCOUNT HAS TO BE DELETED! 

Acct and Acct # : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: FL

Complaint narrative:
My name is XXXX XXXX and Im submitting this complaint myself and there is no third party involved. I filed a dispute in regards to the incorrect item on my credit report, it has been well over 30 DAYS and I havent received any investigation results. BY LAW THIS ACCOUNT HAS TO BE DELETED! 

Acct and Acct # : XXXX XXXX XXXX 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 2022-01-04 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: VA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX 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 2022-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: GA

Complaint narrative:
please remove all accounts listed my information was compromised in a data breach.this has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Sometime last XX/XX/XXXX, I found out after I was denied credit, I requested a copy of my credit report and found out that I was a victim of identity theft. I went to the XXXX XXXX Police Office and reported the incident. I called and sent a letter to all the creditors and submit a copy of the police report. It took a long time for me to fix this but 95 % of the creditors agreed that I am not responsible on these debts. I did have a problem with this LVNV Funding LLC XXXX XXXX account per the collection agencies. This account has been reported as my account on XXXX Credit Reporting Agency since XXXX. I was recently denied personal loan by XXXX XXXX  because of this collection that is not mine as explained to both XXXX and LVNV funding since XX/XX/XXXX and they still continue to report it as a collection. I have repeatedly requested to XXXX also to dispute this with the creditor within 30 days from the time I sent them the letter but they didn't act on it and then I found out that they reported me as deceased which I was really very very upset and complained directly by phone call and letter to XXXX to correct it immediately. 

I don't know but XXXX XXXX approved me for a credit card last year and I have maintained a good credit history with them. I called them and told me that they don't know anything about the account being reported by LVNV Funding. Please help me with this company clearing my name asap and with XXXX in which I can't get a personal loan because they are reporting this as a bad credit and a past due account. It was opened sometime last XXXX I believe on XXXX and LVNV funding started opening the account sometime in XXXX up to this present time. Attached are copies of documents I sent them to clear my account. 

Thank you very much for your attention and consideration in helping me clear my name as I honestly saying that I was a victim of identity theft. My credit standing and history is excellent at the present time after I cleared out my name on this mess. 

LVNV FUNDING XXXX XXXX XXXX XXXX, SC XXXX XXXX ( Phone ) XXXX XXXX XXXX XXXX XXXX, GA If you need me to send you the document for your review, I would be glad to email it to you if you request it. Thanks and God Bless! 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation