vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-07 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:
XXXX is reporting 8 student loan accounts across all three bureaus ( XXXX Transunion and XXXX ) unlawfully. XXXX has violated my right to privacy by communicating this alleged debt with these consumer reporting agencies. Reporting this alleged debt to these consumer reporting agencies has caused harm to my reputation and is defamation of character. On XX/XX/21 I sent XXXX an Affidavit of truth with exhibits ( proof ) of these violations, a debt validation letter, a Cease and Desist with my specified remedy and an invoice demanding {$6000.00} to remediate the damages caused by the 6 violations of my consumer rights. These documents were mailed to XXXX via Certified Mail with return receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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:
XXXX is reporting 8 student loan accounts across all three bureaus XXXX Equifax, XXXX and XXXX ) unlawfully. XXXX has violated my right to privacy by communicating this alleged debt with these consumer reporting agencies. Reporting this alleged debt to these consumer reporting agencies has caused harm to my reputation and is defamation of character. On XX/XX/21 I sent XXXX an Affidavit of truth with exhibits ( proof ) of these violations, a debt validation letter, a Cease and Desist with my specified remedy and an invoice demanding {$6000.00} to remediate the damages caused by the 6 violations of my consumer rights. These documents were mailed to XXXX via Certified Mail with return receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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:
XXXX is reporting 8 student loan accounts across all three bureaus ( XXXX XXXX and Experian ) unlawfully. XXXX has violated my right to privacy by communicating this alleged debt with these consumer reporting agencies. Reporting this alleged debt to these consumer reporting agencies has caused harm to my reputation and is defamation of character. On XX/XX/21 I sent XXXX an Affidavit of truth with exhibits ( proof ) of these violations, a debt validation letter, a Cease and Desist with my specified remedy and an invoice demanding {$6000.00} to remediate the damages caused by the 6 violations of my consumer rights. These documents were mailed to XXXX via Certified Mail with return receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I had 2 credit cards with XXXX  XXXX and I was laid off or put on furlough in XXXX of XXXX at the start of the pandemic and I opened the accounts in XXXX and never had a late payment until I was out of work and I tried to rectify the situation with XXXX  XXXX and they continued to assess interest and late fees until it got to an insurmountable amount for me to pay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX continues to report a paid off car loan on my credit report as late. I've tried to dispute the transaction thru the credit bureaus and directly with the company but to no avail. The car loan was opened XX/XX/XXXX and paid off in XX/XX/XXXX. The loan was included in my bankruptcy but I kept the car and continued to make payments until I paid it off. I was never late on this loan and it's still reporting as such.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07 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: NC

Complaint narrative:
I have sent letters to XXXX and Equifax on XX/XX/21 and have yet to receive a response.

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

Complaint narrative:
I finally received rather full copy of my XXXX credit report today and AS USUAL found another mistake!! What is wrong with the lazy credit bureaus and businesses that I have not pulled one single credit report on the last 11 years that has not had errors?? Fine then for each error and the government will have lots of new revenue to use and the public will have updated and correct credit reports as the law states is our right to have!!! They left my old XXXX XXXX loan on my report and it shows still open, it shows the wrong loan number this was refinanced and closed and so paid perfectly. The loan on my reports showing # XXXX was refinanced and this loan should show closed and refinanced that was made in XXXX XXXXXXXX IL!! I refinanced it and added {$850.00} to move it to the XXXX IL location!!! I have attached the paid in full documents for this loan on my credit report to be corrected and also the copy of my new and only loan with the XXXX IL office you need to add on to my report after you verify with both locations!! They should have done this already it has been over a month ago!!! I want this complaint sent to both XXXX XXXX locations XXXX XXXXXXXX IL and XXXX IL and their corporate office as well as to XXXX, Equifax and XXXX!!

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

Complaint narrative:
I finally received rather full copy of my Experian credit report today and AS USUAL found another mistake!! What is wrong with the lazy credit bureaus and businesses that I have not pulled one single credit report on the last 11 years that has not had errors?? Fine then for each error and the government will have lots of new revenue to use and the public will have updated and correct credit reports as the law states is our right to have!!! They left my old XXXX XXXX loan on my report and it shows still open, it shows the wrong loan number this was refinanced and closed and so paid perfectly. The loan on my reports showing # XXXX was refinanced and this loan should show closed and refinanced that was made in XXXX XXXX IL!! I refinanced it and added {$850.00} to move it to the XXXX IL location!!! I have attached the paid in full documents for this loan on my credit report to be corrected and also the copy of my new and only loan with the XXXX IL XXXX you need to add on to my report after you verify with both locations!! They should have done this already it has been over a month ago!!! I want this complaint sent to both XXXX XXXX locations XXXX XXXXXXXX IL and XXXX IL and their corporate office as well as to Experian, XXXX and XXXX!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
SYNCHORONY BANK XXXX XXXX XXXX XXXX FL XXXX THIS BANK OWNS OR MANAGES 11 OF MY ACCOUNTS WHICH ARE : LOEWS ACCT ENDING XXXX TJMAX ACCT ENDING XXXX BELK ACCT ENDING XXXX CARE CREDIT ACCT ENDING XXXX JC PENNY ACCT ENDING XXXX ROOMS TO GO ACCT ENDING XXXX DISCOUNT TIRE ACCT ENDING XXXX MOHAWK ACCT ENDING XXXX P.C. RICHARDS ACCT ENDING XXXX XXXX ACCT ENDING XXXX PAYPAL CREDIT ACCT ENDING XXXX ON XXXX SYNCHRONY BANK SENT ME A LETTER STATTING THAT ( ACTIVITY ON MY ACCOUNTS WITH SYNCHRONY BANK INDICATIVE OF HIGH RISK OF FAILURE TO PAY. ). 

I WAS OUTRAGED AT THIS FALSE AND DISCRIMINATIVE STATEMENT. IN MY YEARS OF MAINTANING ALL THESE ACCOUNT NEVER WERE A LATE PAYMENT AND 4 OUT OF THE 11 ACCOUNTS ARE PAID IN FULL. 

I ALWAYS PAID MORE THAN THE MINIMUM PAYMENT ON ALL ACCOUNTS. MY CREDIT LIMITS WAS IN THE THOUSANDS AND I NEVER USED ITS FULL POTENTIAL. 

THESE CLOSURES HAVE CREATED A DEVASTATING EFFECT ON MY CREDIT FILE. THIS IS A OUTRAGE AND WRONG IN TAKING THIS ACTION AGAINST ME. I ASK YOUR DEPARTMENT TO FULLY INVESTIGATE THEIR PRACTICES HERE AND YOU WILL SEE HOW I NEVER SHOULDVE HAD THIS HAPPEN TO ME. 

I CAN PROVIDE ALL DOCUMENTATION REFLECTING PERFECT USE OF ALL MY 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 2021-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
Advanced Collection Bureau has violated my right to privacy by communicating this alleged debt with consumer reporting agency XXXX  ( Pursuant to 15 USC 1692c ( b ) ). Advanced Collection Bureau having reported this alleged debt to XXXX has caused harm to my reputation and is defamation of character. ( Pursuant to 15 USC 1692d ( 1 ) ) This company sent sent an Affidavit of Truth, Cease & Desist with specified remedy, and an invoice on XX/XX/2021 and sent vis certified mail with return receipt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have complained several times about posible merge of two accounts or may be identity theft to AMEX. 
I was noticing charges on my card that I never made and than someone was paying off the outstanding amount .I have brought to AMEX attention that charges are not mine and payments are not mine. 
Finally they closed the account with unpaid charges on my account and now they claim that this is my responsibility. 
AMEX failed to maintain basic Identity Fraud prevention procedures, did not maintain account privacy procedures and now frodulently pressuring me to pay alleged debt that I addressed sevral times as not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Navy Federal Credit Union continues to report a paid off car loan on my credit report as late. I've tried to dispute the transaction thru the credit bureaus and directly with the company but to no avail. The car loan was opened XX/XX/XXXX and paid off in XX/XX/XXXX. The loan was included in my bankruptcy but I kept the car and continued to make payments until I paid it off. I was never late on this loan and it's still reporting as such.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I initially complained about charges on my credit card that I never made, but the company refused to investigate this matter and refused to delete fraudulent charges from my account. 
Now they report this account as charge off / collection.

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

Complaint narrative:
After making several calls to Equifax explaining that my identity has been stolen I have been instructed to send them the identity theft report to have this information permanently deleted from my credit but they keep saying they are not getting the identity theft report but I have sent several times without these items being deleted.

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

Complaint narrative:
After seeing my credit report I notice item in there that are erroneous and inaccurate listing. The Congress grant me the rights to dispute and correct what I know is erroneous from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been trying to access my equifax account to file a dispute for months and have not been able to log back into my account. No matter what I do it continuously tells me my account is not accessible and i have to try again later, quote : " We are temporarily unable to complete this request. 
Please try again later. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
Savit collections has put negative information on my credit report

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

Complaint narrative:
Equifax are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

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

Complaint narrative:
After making several calls to Experian explaining that my identity has been stolen I have been instructed to send them the identity theft report to have this information permanently deleted from my credit but they keep saying they are not getting the identity theft report but I have sent several times without these items being deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Rocket mortgage has mismanaged my escrow account and caused my taxes to become delinquent by shoddy management of paperwork ( incorrect parcel listed, triple taxes applied to escrow and zero resolution in an appropriate time. ). I no longer trust their management of my asset and believe their intent is Malicious. They have undervalued my property by XXXX and I believe it is their intent to cause financial harm. They are not a steward of the FHA program. As XXXX with Rocket mortgage has provided no resolution I pray you will assist as well as protect others going through a similar experience. 

XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
IC System Inc. has violated my right to privacy by communicating this alleged debt with consumer reporting agency XXXX ( Pursuant to 15 USC 1692c ( b ) ). IC System Inc having reported this alleged debt to XXXX has caused harm to my reputation and is defamation of character. ( Pursuant to 15 USC 1692d ( 1 ) ) This company sent sent an Affidavit of Truth, Cease & Desist with specified remedy, and an invoice on XX/XX/2021 and sent vis certified mail with return receipt.

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

Complaint narrative:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Bankruptcy reporting inaccurate on credit report. Court stated that they do not report bankruptcy to credit bureau. Chapter XXXX Bankruptcy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens bank can not provide reasonable accommodations to consumers who do not communicate effectively via telephone. When a customer contacted Citizens Bank via a secure messaging system requesting that the customer 's account is opted out of sharing information and from marketing Citizens Bank refused to honor the request as can be seen in the attached document.

Company response to consumer: Closed with explanation