vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: IL

Complaint narrative:
National Credit Adjusters, XXXX XXXX XXXX Ave., XXXX KS XXXX appeared on my credit report claiming they were collecting for a credit card company that I have no contract with and have not applied for in the past. I sent them a certified letter asking them to validate this debt with a wet ink signature on a contract. In addition, please send me a license to collect in my state. 

No response. 

The creditor was contacted and did not respond and was deleted from XXXX. The other CRAs have not updated their records yet AND ARE ALSO in violation. But that's another complaint and issue. 

This account needs to be DELETED from all remaining credit bureaus IMMEDIATELY! 

They are violating my federal and state rights ; hurting my reputation ; and damaging my credit enhancement opportunities! A car and house are out of the question as long as this company violates my rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: NC

Complaint narrative:
XXXX Auto Reseller XX/XX/XXXX Experian XXXX XXXX XXXX  Mortgage Companies XX/XX/XXXX Experian XXXX Miscellaneous Department and Variety Stores XX/XX/XXXX Experian XXXX Specialty Clothing XX/XX/XXXX Experian XXXX XXXX XXXX  Bank Credit Cards XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2021-06-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have an auto loan account ( ending XXXX ) with Bank of America opened XX/XX/XXXX. Last XXXX I was notified by my credit monitoring app that this account is delinquent for the month of XXXX and my score went down drastically. I was shocked because all of my credit card/loan accounts were paid by AutoPay features of the banks and all my accounts were in good standing. After I went through my account history, I found out that Bank of America had deactivated AutoPay for this account in XX/XX/XXXX for no reason and without getting my consent. I tried to contact credit reporting related department in Bank of America, however I was bounced back and forth between Auto loan and online technical support departments each claiming the other is responsible and should handle the matter. I then gave up resolving this issue in Bank of America and tried to dispute all three credit reporting agencies. I received inaccurate results, the results are as follows : XXXX  : XXXX added a comment saying dispute accepted under FCRA ( causing an increase in score ) but a month later this remark was removed ( causing a decrease in score ). Current score : XXXX XXXX : For some reason they removed the account all together. This month the account is re-added and claiming the account is past due since XXXX. This is incorrect information as the account is current and last payment posted XX/XX/XXXX. Current score : XXXX XXXX : XXXX seems to have rejected the dispute but the score went up regardless. The late payment is still visible. Current score : XXXX Before this incident my credit score was around XXXX. XXXX  now shows XXXX. The other two seems to be jumping up and down. Please help me remove this late payment information from my credit history. I did not initiate the removal of AutoPay and was not aware of it when Bank of America removed it.

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 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XX/XX/2021 attempted to purchase a new vehicle. When dealership ran credit check my score came back a XXXX. Contacted Transunion in regards to the XXXX credit score and they verified my information and then told me nothing was wrong. Would not provide me further information or give me what my score was so that I would be able to complete the loan application for the new vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XX/XX/2021 attempted to purchase a new vehicle. When dealership ran credit check my score came back a XXXX. Contacted XXXX  in regards to the XXXX credit score and they verified my information and then told me nothing was wrong. Would not provide me further information or give me what my score was so that I would be able to complete the loan application for the new vehicle.

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 2021-06-17 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: TX

Complaint narrative:
This is third time I have reported this issue with Experian disputing the fraudulent account with XXXX  XXXX. 

On XX/XX/21, I sent a dispute letter to Experian via certified mail. In the letter, I requested to see the source of the information which is the original contract that contains my signature per FCRA section 609. 

On XX/XX/21, Experian informed the disputed was completed. Once again they electronically verified the fraudulent account. They only updated the balance date and nothing else. Per Section 609, Experian didn't provide me with the source documents or the original contract. 

To date, XXXX XXXXXXXX has not located the original contract to provide on 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 2021-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
Calls are coming in from No Caller ID every 20-30 min up to every hour, and from XXXX - XXXX PST. I am not behind on the bill & my account states its in good standing. This is harassment. They also call from XXXX area codes for commenity bank. It is for Victoria secret. I received a letter stating my account was not past due the past week. This is absurd.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX, Experian, XXXX, reports incorrect civil and collection data to leasing background companies such as ; XXXX XXXX, XXXX, XXXX XXXX, etc.Mostly leasing background check. 

This is hindering me from getting the home I so desperately need. Please help me. Im determined to contact the media or whoever I have to, in order to get this resolved. 

Please help me expedited, Im living in hotel.

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 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Good evening, I am past due on the rent from XXXX XXXX XXXX XXXX XXXX XXXX, Unit XXXX, XXXX XXXX, FL XXXX, due to the pandemic. It was for the last two months of the lease only. Otherwise, I was an excellent tenant. They were offered a credit card but refused it. I lived there for 5 years total and I also asked to be released from the lease without penalty for XXXX and XXXX but I received no response. It was beyond the state statue for sales tax on short term rentals which is 6 months and 1 day. 

They sent my debt to National Credit Systems XXXX. XXXX XXXX XXXX, GA XXXX. 

I was laid off due to the pandemic. I called National Credit systems on XX/XX/21 and left a message and again a week late and spoke with XXXX XXXX. I informed them that I applied to XXXX XXXX for rental assistance due to the pandemic and that they had permission to speak with them. However, XXXX informed me that they could not speak with a debt collection agency. I have sent two emails to XXXX with no response from them. I asked them to recall the debt and have it paid in full. I finally filed a complaint with the Dept. of Agriculture and Professional regulation. 

I received a threatening phone call this evening from National 's lawyer. I have been trying to work with this management company. They have not offered the best service in XXXX XXXX anyway. XXXX was in trouble just a couple of years ago for taking affordable housing tax credits and writing leases to people who worked outside of XXXX XXXX. So, they do not have the best reputation. 

I would like to resolve this issue and move on. I have been informed that my application is moving through the system and I expect it to be approved within a few weeks. They said it takes 6 - 8 to complete the process. 

National 's lawyer called my business phone number which is illegal. 

They want to get paid yet they refuse to cooperate. What else can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: OH

Complaint narrative:
I have sent several disputes regarding three accounts associated with my TransUnion thats just plain inaccurate. XXXX is XXXX XXXX XXXX, XXXX XXXX, and XXXX. I have spent my hard eanred money mailing in dispute after dispute with this company. I have been impacted by the negligence because I was not able to obtain credit becasue of those items. Please see attached letters regarding the deletion of these accounts

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 2021-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
In XXXX and XXXX I set up a payment transaction from Peoples United Bank checking account as I have for years to pay for a car loan installment and to pay IRS for taxes I owed. The bank did not put both transactions through. It could have resulted in late fee and negative report to the credit bureau. The IRS payment never went through and resulted in fact that the tax I owed was not paid by the due date. This was the banks error. Could have been deliberate, nobody knows. Both companies did not receive payment that was set up online.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
1st. I applied for a Capital One Spark Business Card that requires the status of Fair Credit. I have a fair Credit Status according to Capital One Wise credit Service. The Gold Card Spark card requires a Fair Credit score unless the others that requires good to excellent credit.

2nd. Capital One is contradiction to correction is missing up my score. I am on time with my work and Iam not late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
XX/XX/21 Hello, my name is XXXX XXXX I had a problem with XXXX 's financial company, I was paying my car on time and they say no, I have the bank tests, confirmation numbers and documents that guarantee that I have paid correctly, they took my car early today, They give me information about the company they hired to take my car but I can not contact them, the financial company does not respond, my time, days lost from work, the exact information of where the vehicle is, my credit has been damaged and they They insist that the only thing they will do is return my car

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 2021-06-17 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have an American Express account showing on my credit report. This has been on my XXXX Report since XXXX. I have since disputed this with BOTH companies. 

In XXXX, I filed a complaint with American Express and they told me that they have removed this incorrect information from their end. 
However, this still persisted to appear on my XXXX credit report. I filed another dispute with XXXX ( have done it twice now ) and the results always come back suggesting that it is indeed my account. I have NEVER held an American Express card or account ever in my life so I am not sure why this is appearing on my account in the first place. 

I called American Express again ( XX/XX/XXXX ) trying to check why are they confirming XXXX that I have an account with them. They ran my social security, my address, and my name and told me that they have nothing associated with that name, address, or social. 

I am not sure what to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/21 Bank of America called me to say there was fraud on my account. From bank of america 's number exact number XXXX. They instructed me to move XXXX $ to myself via XXXX and on my own phone number so they could open a new account and refund the charges from XXXX due to the fraud. Once i did it, they hung up. I called bank of america back and they said they never called me. They said it is not covered or insured because it was not fraud it was a scam. The person called me from the bank of america number! and sent me the exact bank of america texts! They knew all of my bank information! It was exactly like a bofa fraud call. Now i am out {$3500.00} and bofa wont replace it.

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 2021-06-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I'm a student of XXXX XXXX and that was scammed by a private student loan agency who the government has now allowed the student loans to be 100 percent forgiven

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: TN

Complaint narrative:
Good Day! I am writing to you guys due to some collection accounts that I never opened that are reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have an XXXX XXXX account showing on my credit report. This has been on my Transunion Report since XXXX. I have since disputed this with BOTH companies. 

In XXXX, I filed a complaint with XXXX XXXX and they told me that they have removed this incorrect information from their end. 
However, this still persisted to appear on my Transunion credit report. I filed another dispute with Transunion ( have done it twice now ) and the results always come back suggesting that it is indeed my account. I have NEVER held an XXXX XXXX card or account ever in my life so I am not sure why this is appearing on my account in the first place. 

I called XXXX XXXX again ( XXXX ) trying to check why are they confirming Transunion that I have an account with them. They ran my social security, my address, and my name and told me that they have nothing associated with that name, address, or social. 

I am not sure what to do.

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