vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-05 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: MD

Complaint narrative:
I have called Navient, XXXX, XXXX XXXX, and Student Aid. Nobody can tell me whats going on. First, the two loans that were with Navient, that are reporting me late were consolidated. They were for XXXX XXXX university that was part of the XXXX XXXX XXXX settlement and should not be on my credit report. But this is the biggest issue, XXXX doesnt have these consolidated loans that are reporting me late on my credit! Nobody can figure out whats going on. Navient suggested I call borrowers defense however borrower defense said they can not help with my reporting. XXXX said they dont have these consolidated loans! SO WHERE ARE THEY? AND WHY ARE THEY ON MY CREDIT? Somebody please figure it out!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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: FL

Complaint narrative:
I disputed to bureaus that child support contract was cancelled. They're still reporting it negative as closed in XXXX  and last paid in XXXX..plz help..this is hurting me badly with frustration, undue stress, and negative credit worthiness..Thanx

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 2023-08-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-05 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: Kikoff Inc.
State: MD

Complaint narrative:
I have never opened a loan with Kikoff. I only had a credit builder account which I assumed was closed in 2022. I assumed thats where my payments were going to. In XXXX I got notification that my account was 90 days late due to lack of payment on a loan that I never opened for XXXX dollars and that my account was closed. The company keeps saying that someone logged into my account and approved it! I did not. I filed numerous complaints and a police report. I am being held XXXX and my credit continues to suffer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX, Fl XXXX Removal of Fraud alert and Removal of personal statement. 

Please accept this as a former request to remove both my Fraud alert and Personal statement from my credit report as I have had the opportunity to get a better handle on my credit affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I paid off a {$1000.00} limit Credit card and cancelled it because of a {$69.00} annual fee. My credit score then dropped XXXX pts in 1 day. So my question is why would this happen? I know this is not a topic you have listed but I sure would like to know why taking care of my credit results in a XXXX point drop in my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Absolute Resolutions Corp.
State: TN

Complaint narrative:
This is in regards to a previous complaint, XXXX. 

The original complaint was about XXXX Credit card not allowing me to pay off my credit card and refusing payment. This account was closed in 2021. I have not used it since then. 

After the complaint, I received a letter from XXXXXXXX XXXX managing bank, XXXX, stating that they'd now accept my payment, and I was able to pay it off in full and be done with it. I did just that, immediately paying off the balance in full. They removed the account from my credit report and listed it as paid. 

Until now, they're saying that somehow I owe {$700.00}. They've sent me another statement, and they've put it BACK on my credit report. 

It appears they have possibly sold debt to " absolute resolutions investments ''. So they accepted my payment and then sold non existent debt? 

I just want this to be done with and for them to leave alone. I thought I resolved this months ago, but apparently not

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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: Self Financial Inc.
State: TN

Complaint narrative:
I have called to speak to someone they give me numbers to folks that cant help which is a runaround and the website is giving a error message so you cant file a dispute online. However the issue is my self finance credit limit is showing {$200.00} which was reported to transunion which is inaccurate and my actual limit is only {$150.00} so my credit dropping by XXXX point for something that was not even accurate. As you can see my balance is XXXX. My statement for self dont even close until the XXXX. Today is the XXXX so how it dropped and my self card was paid for on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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: KY

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-08-05 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: KY

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-08-05 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Soon after I notified CFPB about Ally Financial. Ally resent my account to the credit bureau to lower my score XXXX XXXX. I feel this is retaliation.

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 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Trans union has 2 collection accounts showing on my record which is hurting my score. They fixed one account and removed it but the have XXXX XXXX XXXX ( XXXX XXXX ) still showing a collection in the amount of {$1000.00} which is NOT TRUE! I have disputed this numerous times and even have the proof as to when it was removed between XX/XX/2023 and XX/XX/2023 due to their error! Now it is still back on my report showing as a a collection! This is hurting me from getting a vehicle in which I need very badly! They removed the other 1 because I sent in photos showing it was taken care of! This account needs to be removed!!

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 2023-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Block, Inc.
State: TX

Complaint narrative:
Make sure there's no credit card on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I am writing to formally request that you immediately cease and desist all contact with me about account ending in XXXX. I want to make it clear that I do not owe any debt to Resurgent Capital Services, nor have I ever engaged in any business or contractual agreement with your company. 

As per the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, I have not supplied any proof of the alleged debt, and I have reason to believe that no such proof or debt exists. 

Please be advised that any further attempts to contact me regarding this matter will be considered a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). I reserve the right to take appropriate legal action if necessary. 

This letter serves as an official notice of my request for you to cease all communication with me immediately. Please acknowledge receipt of this letter and confirm in writing that you will comply with my request. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have called to speak to someone they give me numbers to folks that cant help which is a runaround and the website is giving a error message so you cant file a dispute online. However the issue is my self finance credit limit is showing {$200.00} which was reported to transunion which is inaccurate and my actual limit is only {$150.00} so my credit dropping by XXXX XXXX for something that was not even accurate. As you can see my balance is XXXX. My statement for self dont even close until the XXXX. Today is the XXXX so how it dropped and my self card was paid for on the 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 2023-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX You are in direct violation of the Fair Credit Reporting Act ( American Express account numbers XXXX & XXXX. XXXX XXXX account number XXXX, XXXX XXXX ), has violated several of my rights. 

15 U.S.C. 1681 SECTION 602 A. CLEARLY states that I have the right to Privacy.

15 U.S.C. 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C.1666B : A Creditor may not treat a payment on a credit card under an open-ended consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McNeil & Meyers Asset Management Group, LLC
State: CA

Complaint narrative:
I always track my credit report from XXXX and XXXX through XXXX XXXX  In the last 10 days I have paid off one of my debts in collection. After I had made an initial payment another collection popped up on my XXXX report. I don't have any debts I can recollect from the time frame they posted and the name and the name of the original creditor they give are not names I recognize. The company is McNeil & Meyers. The original creditor is stated as McNeil & Meyers receivables the date of the collection opening is XXXX. I think this must be mistaken identity or something along those lines. Thank you for your time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Upon trying to create a joint account, Capital One sent an automated message to do submit verification information. There link did not work and kept sending a link to my phone that when then verified, would just send another link to my phone in a continuous loop. When I called the bank to have this taken care of they told me that I could only verify account by clicking the link, which we tried again and it again did the same thing. The rep. then lied to me and told me there was no other way to verify, even though there system was broken and it was up to me to fix it. The accounts associated with the bank are now frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: ALLIANT CREDIT UNION
State: MT

Complaint narrative:
I acquired a loan on an RV with Alliant Credit Union, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ( Phone XXXX ) in XXXX of XXXX. Since that time I have made XXXX payments on the loan including the latest, XX/XX/XXXX. 

The paper statements I have received for the loan do not seem to accurately reflect what should be paid to principle and interest- they do not follow any amortization table, given the specifics of the loan. 

I have tried repeatedly to contact Alliant Credit Union and have not had any success in getting them to explain to me what they are doing with the payments- except for them to say 'the money is applied to interest first and then any left over is applied to principle '. 

This does not make sense, again, given what the loan interest rate and payback period is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed to bureaus that child support contract was cancelled. They're still reporting it negative as closed in XXXX  and last paid in XXXXplz help..this is hurting me badly with frustration, undue stress, and negative credit worthiness..Thanx

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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: FL

Complaint narrative:
I disputed to bureaus that child support contract was cancelled. They're still reporting it negative as closed in 2017 and last paid in XXXXplz help..this is hurting me badly with frustration, undue stress, and negative credit worthiness..Thanx

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 2023-08-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-05 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief