vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-10 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:
On XX/XX/XXXX I contacted Experian about the following accounts that are reporting past due balances on accounts that are charge off which is a clear error on the reporting ; XXXX XXXX XXXX ( Date Opened:XX/XX/XXXX, Balance : {$40000.00}, XXXX XXXX XXXX Date OpenedXXXX, Balance : {$400.00} ), XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$19000.00} ) and XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX XXXX Balance : {$7600.00} ). They are also reporting a collection account from XXXX XXXX ( Date Opened:XX/XX/XXXX, Balance : {$300.00} ) that I don't recognized and that the bureau failed to validate as I request multiple times. Attached is the previous letter I sent to the Experian. I also have the certified mail receipts that I can provide if necessary.

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 2022-02-10 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: OH

Complaint narrative:
I am being taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I was denied a home and car while making over the required amount to manage. I am in School and due to covid-19 and this pandemic I do not have proper resources to manage. So you have hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10 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:
I recently noticed that there was an account on my credit report that I never opened, then i decided to do some investigating myself which also led me to findout that there was a checking account also opened without my knowledge. This is when i found out that i was a victim of identity theft. I closed the checking account and decided to file a federal trade commission identity theft report. I used this document to help me remove this fraudulent account off of my credit report. I contacted the creditor and the credit bureaus, sent them the needed documents to remove this account but both kept verifying it as accurate.

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 2022-02-10 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: Kikoff Inc.
State: NM

Complaint narrative:
to whom it may concern, i dont even remember signing up with kickoff now i have a late balance but im reading what kickoff is about and i seem interested now on maybe i shoud keep this app it states that kickoff actually helps to buid your credit score and that actually get to barrow money it says that i have a 500.00 credit available but i never recieved any type of card also it wants me to put my card information for auto pay i havent even got to do anything i did contact kickoff a couple of days ago and all they told me was that they will get back to me is kickoff even real app now im starting to think i think i contacted them on XX/XX/2022 thank you i need someone to help me to understand more i guess and to send me a credit card and i can actually get on the ball and fix my overdue balance and put auto pay on thank you for your time and help ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: OH

Complaint narrative:
I am being taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I was denied a home and car while making over the required amount to manage. I am in School and due to covid-19 and this pandemic I do not have proper resources to manage. So you have hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Kriya Capital, LLC
State: SD

Complaint narrative:
I am currently in negotiations with XXXX through XXXX. 
I have been getting spam calls lately from some odd numbers and some as late as XXXX XXXX XXXX 
I look through my XXXX credit report and I see 2 credit entries, one from XXXX and another from Credence XXXX XXXX. 
I am currently trying to repair my credit reports and going to hopefully have my first time home ownership in the next year. 
I am currently awaiting on XXXX through XXXX on their settlement offer. Also I did report these credit entries to XXXX at this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10 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: LA

Complaint narrative:
Ive been disputing the XXXX XXXX XXXX XXXX XXXX and they dont work wit it i want to remove it asap

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion has continuously reported XXXX XXXX to my credit profile. This has been disputed SEVERAL times, in addition to filing an FTC complaint regarding identity theft. Transunion has also continued to " dance around '' the issue by continuously providing frivolous responses and advising they are responding within 60 days. Transunion is ONLY allowed 30 days to respond accordingly. The pending open CFPB complaints will now be escalated and this should be considered an intent to sue. 

XXXX XXXX is reporting inaccurate, incomplete, FRAUDulent information. With that, they have been removed and blocked from XXXX, as they can not supply the supporting documentation. Considering the data furnisher should be providing the SAME " accurate '' information, this is clear that Transunion is deliberately committing several violations. 

Per transunions response, they have provided my demographics to a company whom did not have them prior and now they have " updated my address. '' Transunion has provided XXXX XXXX with the information needed to " validate '' a debt that is fraudulent and not owed to them by myself. 

Per 15 U.S. Code 1681c2, this information is to be BLOCKED and removed within 4 days of receipt as it is a result of identity theft. 

I want to be explicitly clear with my request. I am not requesting verification of debt ; but instead, I am requesting validation of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have this account reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
Starting 4 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice. 

By responding that you have received my complaint and request, that will guarantee a contract to have said items properly addressed within the next 3 business days.

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 2022-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CCM Finance LLC
State: TX

Complaint narrative:
XX/XX/18 purchased car from XXXX XXXX XXXX & gave XXXX down ( CCM financial llc ) XXXX I spoke with CCM and asked them to take payment. 

XXXX they repod the car. 

XXXX I called CCM and asked why they took if they were supposed to take payment. From my debit card got hung up on & when I called again they were closed XXXX called again and got out on hold and then forwarded to a vm. Left vm XXXX called & requested the total amount due XXXX order to redeem the car, & planned to make the money gram payment same day, lady told no can do theyre deciding to close out my loan for good with no option for redemption and were unable to give me any more information and hung up on me. Called back and continued to be hung up on saying you dont have an acct with us we cant take your call XXXX I called for an explanation of why they werent wanting to let me redeem my car, and asked why I havent been called or sent any letters or anything and they said theyre not required to disclose anything to me since my acct is closed. 

XXXX I called to ask about my things that were in car and got hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
IC Systems has advised XXXX that they have " verified '' and " validated '' this account, and indeed have not. There was no initial communication in oder for me to respond or dispute said item. IC System is willfully being negligent and non-compliant with attempts to collect and report alleged debt. 

Per 15 U.S. Code 1681c2, this information is to be BLOCKED and removed within 4 days of receipt as it is a result of identity theft. 

I want to be explicitly clear with my request. I am not requesting verification of debt ; but instead, I am requesting validation of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have this account reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
Starting 4 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice. 

By responding that you have received my complaint and request, that will guarantee a contract to have said items properly addressed within the next XXXX business days.

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 2022-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-02-10 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: SC

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlantic Recovery Solutions LLC
State: PA

Complaint narrative:
Mail fraud letters look real but the promises are fake. 
1.Lots of call when am working.

2.Lying about boosting my credit if I paid.

3. Lying about removing lien derrogation There email is Atlantic Recovery Solutions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Prosper Marketplace, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX i was approved for a 15,000 personal loan. I was never given paperwork to sign, everything is online with no details concerning loan terms and conditions. I called Prosper on XX/XX/XXXX about my XXXX, i was told that the XXXX is 28.99 % i request a lower rate due to my good credit. The term of the loan is 36 months, paying XXXX monthly payment coming out my bank account as auto pay. I feel this is a scam and would like to correct this error.

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 2022-02-10 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I sent letters to XXXX, Experian and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-02-10 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: NY

Complaint narrative:
I have a collection on my Equifax credit report that was paid and not updated and removed. I have submitted three disputes with evidence that the collection was paid and Equifax continues to report erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I have a collection on my XXXX credit report that was paid and not updated and removed. I have submitted three disputes with evidence that the collection was paid and XXXX continues to report erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
Once again, you fail the test, XXXX. I closed on a mortgage with you thieves on XX/XX/2021 and everything went well until you " upgraded '' your software in XXXX of 2021. Then, everything went to XXXX. You failed to credit my payment in XXXX, instead adding it to the principal balance. How does a mortgage balance go up with monthly payments instead of down??? I've complained repeatedly and all you do is throw figures against the wall, hoping that some of them will stick. None of them do. Nothing you have done makes any sense at all. The numbers don't add up in any way. I asked you to supply a report that any reputable mortgage company could easily supply - a running balance report that aligns with an amortization table and you refuse to do so. You wouldn't cooperate with the XXXX  in XXXX Texas and you sent an explanation letter to the CFPB that is incoherent and makes no sense. The " reports '' you sent are nothing but living proof of XXXX XXXX XXXX maxim : " If you can't dazzle them with brilliance, baffle them with XXXX. '' Since you couldn't get your act together, I refinanced with another company, an honest and reputable mortgage company, and closed on that loan on XX/XX/2021. Now, I can't get rid of you from my credit report. It shows the balance due to the new mortgage company with your name on it. XXXX corrected the error but XXXX says you still hold the mortgage. You don't and I disputed their " resolution ''. 

Oh, you've also reported to the IRS that I paid XXXX in interest in 2021. I did not. I paid {$3600.00}. 

I had to use a pdf manipulation program to break your " report '' into pieces so that it could be easily understood. See if you can find someone with more than a grade-school education who can understand what you sent. 

One other thing : do you know what a telephone is? Do you know how to use one of them? This issue could easily be resolved if you would simply call me. But I guess that is beyond your technical expertise. 

You owe me {$840.00}. Cough it up. You are nothing but an incompetent bunch of thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Nelnet wants payments from stupid loans although my entire career and life path changed due ti Covid. Im trying to get my business at a better stage to pay it off but it seems like thats not always the case. Jw

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: FL

Complaint narrative:
Once again, you fail the test, XXXX. I closed on a mortgage with you thieves on XX/XX/2021 and everything went well until you " upgraded '' your software in XXXX of 2021. Then, everything went to XXXX. You failed to credit my payment in XXXX, instead adding it to the principal balance. How does a mortgage balance go up with monthly payments instead of down??? I've complained repeatedly and all you do is throw figures against the wall, hoping that some of them will stick. None of them do. Nothing you have done makes any sense at all. The numbers don't add up in any way. I asked you to supply a report that any reputable mortgage company could easily supply - a running balance report that aligns with an amortization table and you refuse to do so. You wouldn't cooperate with the XXXX  in XXXX Texas and you sent an explanation letter to the CFPB that is incoherent and makes no sense. The " reports '' you sent are nothing but living proof of XXXX XXXX XXXX maxim : " If you can't dazzle them with brilliance, baffle them with XXXX. '' Since you couldn't get your act together, I refinanced with another company, an honest and reputable mortgage company, and closed on that loan on XX/XX/2021. Now, I can't get rid of you from my credit report. It shows the balance due to the new mortgage company with your name on it. XXXX corrected the error but Experian says you still hold the mortgage. You don't and I disputed their " resolution ''. 

Oh, you've also reported to the IRS that I paid XXXX in interest in 2021. I did not. I paid {$3600.00}. 

I had to use a pdf manipulation program to break your " report '' into pieces so that it could be easily understood. See if you can find someone with more than a grade-school education who can understand what you sent. 

One other thing : do you know what a telephone is? Do you know how to use one of them? This issue could easily be resolved if you would simply call me. But I guess that is beyond your technical expertise. 

You owe me {$840.00}. Cough it up. You are nothing but an incompetent bunch of thieves.

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