vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-07 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.

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 2022-10-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX  and may have got into the hands of the wrong person.

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 2022-10-07 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
A credit card account showed up on XXXX, XXXX, XXXX XXXX  at the navy credit union. Their report showed it was opened on XX/XX/2022 with an address of XXXX XXXX XXXX, XXXX. I told them I do not live there and I don't live there and I didn't open up an acct with navy credit union. They, the credit report agencies said I had to take it up with the bank to correct. I called the navy credit union and they haven't done anything. So some one out there has a cc in my name at a fraudulent address and no one wants to do anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have a complaint about two charges that are fraudulently being reported on my credit report by XXXX.The firts of two is being reported by RESURGENT RECEIVABLE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. They have unlawfully and without my permission aquired my information from another company and are reporting that I owe them a debt of XXXX dollars and also XXXX dollars from two separate credit cards. now this is infact untrue due to the fact of me NEVER having a Fiduciary obligation to one RESURGENT RECEIVABLE according to CHP 15 AND 16 OF THE USC 1681 A CREDIT REPORTING BUREAU OR AFFILIATE MUST GET PERMISSION FROM THE CONSUMER AS WELL AS GIVE 21 DAYS NOTICE OF AN ACTION AND OR LATE PAYMENT REPORTING ALSO WITH UTILIZATION AS WELL NEITHER OF WHICH RESURGENT RECEIVABLE HAS DONE AND BY GIVING THIS INFORMATION TO XXXX TO REPORT IN ERROR HAS XXXXNFACT VIOLATED MY CONSUMER RIGHTS AND I WILL BE STARTING LITIGATION IF MY DEMANDS TO REMOVE THIS FROM MY XXXX REPORT ARE NOT MET. THIS HAS CAUSED ME UNDUE HARDSHIP INSOFAR AS I AM NOT ABLE TO PURSUE MY XXXX GIVEN RIGHT OF HAPPINESS OR QUALITY OF LIFE DUE TO NOT BEING ABLE TO OBTAIN ADEQUATE HOUSING OR PROPER VEHICLES. PLEASE REMOVE FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.

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 2022-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was trying to purchase tickets to a football game via XXXX. Upon agreeing to an amount of {$300.00} for 3 tickets I unknowingly sent the XXXX payment to a scammer. The scammer sent proof of the tickets and eventually blocked me and my wife from their XXXX account. I called Citibank in less than an hour to remedy the situation but payment could not be stopped. I also spoke to their fraud department and there was nothing that could be done. I then spoke to XXXX and reported the fraud.

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 2022-10-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.

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 2022-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I called Aidvantage on XX/XX/XXXX and no one answered for about 2 hours. I called back on XX/XX/XXXX, and requested a refund for {$12000.00}. They were able to locate my loans and said they would process the refund request. I asked for an email confirmation but they said they could not provide an email confirmation. They just said that the refund will take 4-6 weeks to complete.

I read a lot of posts saying that their balances changed after 10 business days so, I called back on XX/XX/2022 since I was worried that my refund request was not processed. They said that the refund has been approved by the XXXX and sent to the XXXX. 
As of XX/XX/XXXX, XXXX weeks after my request, my XXXX account still has my old balance and is not updated to include the {$12000.00}. I also checked the aidvantage website and it has not changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: OneMain Finance Corporation
State: IA

Complaint narrative:
I have tried disputing this account with XXXX XXXX XXXX  XXXX along with original creditor because account is a total mistake itself. Account has been stating as an installment type when original and true account type is a secure loan. Loan was granted with collateral. Accounts open as XX/XX/XXXX by XXXX XX/XX/XXXX by XXXX XXXX XXXX with a status of derogatory by all three bureaus with a balance of {$8500.00}. Account was reporting date of last payment incorrectly stating XXXX XXXX as XX/XX/XXXX while XXXX reported XX/XX/XXXX and XXXX report at XX/XX/XXXX. Payment history was reporting OK as agree all the way from XX/XX/XXXX through XX/XX/XXXX by XXXX when XXXX was reporting date of last payment XX/XX/XXXX while XXXX was reporting payment history with consecutive charge off as if it was some sort of payment method. Account status is now stating as closed with a balance of {$10000.00} with XXXX XXXX and XXXX. How did balance change this much?! date open has changed from XX/XX/XXXX to XX/XX/XXXX with XXXX and XXXX. Now, removing all data from date of last payment and deleting payment history with XXXX changing OK as agree with charge off all the way from XX/XX/XXXX to XX/XX/XXXX recording payment as OK on XXXX and XX/XX/XXXX. This is impossible if account has been closed! Account can not report payment XX/XX/XXXX and XX/XX/XXXX and not record payment on date last payment especially if account is closed. Account is now stating date last active as XX/XX/XXXX by XXXX and XX/XX/XXXX with XXXX  while XXXX reports XX/XX/XXXX. Ive asked bureaus for method a verification showing where they are getting information from as information is obviously stating incorrectly but I have not received anything on their end. There is no possible way that all three bureaus can be correct if information is coming from the same furniture data account as a total mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony Bank is emailing me, texting me, calling me every day about past due payment. this is harassment. I have until a certain day to make a payment, but they still aggressively contact me and this has to stop.

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 2022-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
On XX/XX/2022 I received an email from XXXX XXXX identifying himself as a debt collector stating that he was collecting on behalf of LVNV Funding LLC from original creditor XXXX XXXX  I received approximately 18 emails regarding the collection of XXXX XXXX XXXX # XXXX and every email XXXX XXXX  informed that my aledged account was red flagged from an outstanding debt totaling {$4100.00}. This account XXXX XXXX  was discharged and reported to the internal revenue service as an XXXX After receiving the collection emails without my authorization an consent I submitted a request fro validation under the fair ebt Collect FDCPA & FCRA Until this day they are continuing to report unverified information on my consumer file, XXXX XXXX also failed to validate the debt as required by federal law and under the new fair credit practices guides lines that are currently being implementation by the consumer fair credit beurer. I am requesting that the CFPB conduct an ivestigation into the unlawful collection practices and negative reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: CA

Complaint narrative:
The. Information on the credit report is inaccurate, I have tried many times to resolve the issue and to no avail a solution has not been implemented.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
hello, the XXXXXXXX XXXX account that appears on my transunion XXXX and XXXX credit reports was charged off in XXXX in the amount of {$1100.00}. this account has shown this balance and never changed until XX/XX/XXXX where suddenly the balance changed to {$1100.00}. i have disputed with all 3 credit reporting agencies about this account for inaccurate reporting and each time it is verified as accurate when in fact the balance is not correct. each time the status date on this account has never changed as well so how can the account have properly been investigated? ive also requested proof of the balance as it is my right to have only verifiable information reported against me and it has been to no avail. also the information reported on this account does not match across all three reporting agencies so how could they in fact be properly investigating this matter?? if the information on an account can not be verified it must be deleted from the consumers report. it is a violation to report information on my credit file that is inaccurate and unverifiable. also there are inconsistencies between the agencies reporting this account like payment history does not match, missing payment history, date of first delinquency monthly payment and etc of which errors i have encircled and or highlighted in the documents i have attached to this complaint.. thank you for your assistance with this matter.

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 2022-10-07 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: PA

Complaint narrative:
hello, the XXXXXXXX XXXX  account that appears on my XXXX  equifax and XXXX  credit reports was charged off in XXXX in the amount of {$1100.00}. this account has shown this balance and never changed until XX/XX/XXXX where suddenly the balance changed to {$1100.00}. i have disputed with all 3 credit reporting agencies about this account for inaccurate reporting and each time it is verified as accurate when in fact the balance is not correct. each time the status date on this account has never changed as well so how can the account have properly been investigated? ive also requested proof of the balance as it is my right to have only verifiable information reported against me and it has been to no avail. also the information reported on this account does not match across all three reporting agencies so how could they in fact be properly investigating this matter?? if the information on an account can not be verified it must be deleted from the consumers report. it is a violation to report information on my credit file that is inaccurate and unverifiable. also there are inconsistencies between the agencies reporting this account like payment history does not match, missing payment history, date of first delinquency monthly payment and etc of which errors i have encircled and or highlighted in the documents i have attached to this complaint.. thank you for your assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I contacted XXXX XXXX Account # XXXX to request documentation to support that this account belongs to me. I asked for the original invoice or statement that was provided to them by their client as a result showing that they debt is in fact mines which they say I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: WV

Complaint narrative:
I made a payment of XXXX on XX/XX/2022 which was the full balance of my express credit card. Today is XX/XX/2022 and I went to use my credit card for a purchase and it was declined due even though I had just used it for {$25.00} for an online order in store. It would not allow me to make the remaining {$260.00} purchase even though my account reflects an available balance of {$270.00}. I called the credit card company ( comenity bank/bread financial ) and they said that the account was suspended. I asked how I used it for the {$25.00} and they couldnt give me an answer. Theyre holding my money hostage, I was not notified at the time of payment that it wasnt going to be available immediately, furthermore this has never happened before so why now?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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