vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have been trying to resolve a i.d theft issue with all 3 bureaus over the past few months! They have been no help and i feel that putting them under this microscope of government surveillance will force them to abide by the laws. XXXX XXXX, and Experian have been willfully disobeying Credit Laws. In 2018, my purse was taken outside of my car, i left my car door open unfortunately with my purse inside while i ran into my job to get some tools. I came back and purse was gone, it contained my i.d, social card, insurance card, and etc. I was not to concerned at that time as i ordered new cards and such but the fact that down the line it's been fraudulent activity in my name because of it, has me unsettled and lost in a credit mess. So i was told by staffmembers at all 3 credit agencies i needed to get a i.d theft affidavit or police report to validate the i.d theft occurrence in which i did. Sent that along the necessary items they asked of me to complete the package, still the credit agencies have not blocked all the fraud accounts listed on my FTC report and listed on the attached sheet ... FCRA 605 ( BLOCK ). provided in this section on, a consumer reporting agency must block the reporting of any information on in the le of a consumer that the consumer identies as information that resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS AFTER THE DATE OF RECEIPT BY SUCH AGENCY OF This credit I.D theft law is what they have been willfully denying as to what is required of them for the steps of processing the investigation. These fraud accounts should not have remained on my account. I also have sent the same documents to all 3 creditors involved in the opening of accounts in question : XXXX XXXX, XXXX County, and XXXX XXXX, whom in which have all responded fairly quickly with their own investigated results, in conclusion that these accounts in their database were undoubtedly fraud or inaccurate in relation to my identity. Each creditor has mailed me through dispute correspondence ( see attachments ) i then sent the Letters directly to each credit bureau who have still, not done a thing to my credit report. They've sent me credit reports saying the accounts have been verified? HOW! WHERE! These credit agencies did not send me the entire necessary proof of " VERIFICATION '' OR " VALIDATION '' under 809 ( a ) ( b ) in regards to these accounts. Especially since the creditors each have reached out to me ruling in my favor agreeing the accounts are fraud! THIS IS MADNESS! I NEED HELP, I AM DEALING WITH XXXX PRODUCERS PERFORMING UNFAIR BUSINESS PRACTICES TO CONSUMERS LIKE MYSELF.

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 2020-05-03 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I placed an order with XXXX XXXX of Illinois in XXXX that should have shipped early in XXXX. The order never shipped and in XXXX I disputed the charge with my credit card provider USAA. USAA refused the chargeback as the business claimed that they were impacted by Covid 19, which may be true but they have taken my money and I received nothing in return and the plants can not be shipped at the appropriate time as the planting windows has passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Panorama Mortgage Group, LLC
State: NJ

Complaint narrative:
I was in the process of purchasing a home with going thru Alterra home loans in XXXX Nj spoke with the loan guy XXXX XXXX several times and was giving a pre approval then an conditional approval. I gave them all documents needed on the approval even ones that was asked for twice by the underwriter. This company lead me up until time to close on the home which was on XX/XX/2020 with no link that this may not happen. My lawyer was emailing the company no response then the loan officer waited till the covid19 which happened after my closing date to then say the banks he could of went thru has pulled out while I was never told that it couldnt happen I myself gave notice to my landlord and now I have to find a new place to live cause he found new tenants for my place. The home owner of the home I was gon na purchase is now upset and trying to take my down payment of {$10000.00} cause the mortgage company XXXX   around. This have left me with a house full of stuff that was purchase for the home that cant be returned only cause as of XX/XX/2020 after speaking to XXXX and XXXX XXXX I was never told that it cant be done. I have all emails that lead up till then none say Im not gon na get my loan. Also I was to pay XXXX for home inspection then I payed XXXX for the home appraisal none of that money is being returned due to the mortgage company not finishing up my loan. Then he explains He was ready to close in XXXX a lie. He never told me lets close in XXXX. This have been very stressful and embarrassing and leaving me homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: MA

Complaint narrative:
I am writing to you today concerning an account being reported by EOS CCA. I have made several attempts to rectify this matter as EOS CCA has now become unresponsive. On XX/XX/2020, I spoke with a representative by the name of " XXXX XXXX '' who provided me a fax and email address to send him a Debt Of Validation letter. It has now been pass 30 days of notifying them, and I still haven't received any correspondents what so ever. 
I only asked for proof of the allege debt and anything in signature or JUDGEMENT BY LAW stating I was obligated to pay them the total of {$990.00}. EOS CCA is falsely reporting a debt to the three major Credit Bureaus. I have never made any agreement with them nor the original creditor to pay anything, nor was I properly notified of this false reported debt. I am requesting EOS CCA to immediately remove me from their systems and update all 3 major Credit Bureaus specifically ( XXXX, XXXX & XXXX ) on this action. They have failed to follow the guidelines which was all provided to them in the Debt Of Validation letter that supports the Fair Debt Collections Practice Act. In result, EOS CCA are violating my rights and are also causing financial hardship with this debt being reported. We are currently in a time of a Global Pandemic with the COVID-19 virus. As unemployment rates continue to increase, access to funds are crucial for survival. This false report by EOS CCA has prevented me from gaining access to any lenders due to Derogatory Marks on file. At this point they have failed to provide any competent evidence or any legal obligation and EOS CCA is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. If this report is not updated immediately to the 3 major Credit Bureaus, I will be taking legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 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: GA

Complaint narrative:
On XX/XX/2020, I sent a copy of my driver 's license, birth certificate, social security card, signed/sworn affidavit and a copy of a letter I received from a bankruptcy court informing the 3 credit bureaus that they were reporting a bankruptcy on my credit file with illegally obtained info. On XX/XX/2020 I received copies of my credit reports and also a notification stating that an investigation had " previously '' been done and that it was determined that the bankruptcies were verified as accurate. When I phoned each of the bureaus they each said they had obtained my info from the Courthouse. When I told them that I had proof that was incorrect and that they were reporting my info inaccurately they each then said they obtained my info from XXXX XXXX. My question is this : how can a bureau refuse to open an investigation into inaccuracies that need to be removed and just use previously verified info? Is that legal or just a way to silence the consumer? 2 of the 3 bureaus are reporting multiple bankruptcies that they still have not removed. I've been sending disputes since XX/XX/2020 and no action has been taken. Can we please find a way to get the bureaus to update my credit reports as they are costing me valuable points, opportunities for better rates and costing me money.

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 2020-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: AL

Complaint narrative:
Nelnet, is a previous lender for a student loan I had. The account was bought out by another lender, XXXX or XXXX XXXX. Those accounts are current and are being repaid through Income Driven Repayments. I never defaulted on any student loans and this account is remaining on my credit with the comments discharge through bankruptcy with no payments missed. The issue is, it show as a negative impact to my credit history. Ive tried to resolve the matter on my own but of course, the account remains the same with no resolution. Im looking to make a purchase on a home within the next two years and Im looking to get help with removing negative accounts. Thank you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Portfolio Recov Collection Agency has violated the code of ethics and they're also in violation of the FCRA. XX/XX/XXXX This agency appeared back on my credit reports after some time. The tactics they have been using should be illegal. They have been manipulating 2 different acct numbers to act as 4 different accounts with different dates and balances. They use acct # XXXX, acct # XXXX acct # XXXX and acct # XXXX. For the past 3 mths claim information has been fluctuating. Every time i dispute their claim a piece of information would change for their benefit. I contacted them via their website and they had 1 collection in my name it was the # XXXX acct and that acct didn't even mirror what was on my reports. They used 4 acct numbers to appear as 2 accts and wasn't even accurate with with important details on all reports. One time using the exact same acct #, the exact same date and exact same balance on my XXXX report and at times they used 2 different addresses at the same time. On XX/XX/XXXX. I told them they were violating the code of contact and violating the FCRA. They retaliated by making a ton of accounts using the same account number, making up claims, using the original collector 's ( XXXX XXXX ) name and logo and maliciously flagged my account with a public comment. All of those accounts they made up stayed on my credit for weeks until the investigation was over. I was denied credit because of them. I was approved for a XXXX XXXX card then a week later denied because of them. That collections agency hasn't contacted me one time since they claim they had debts owed by me but as soon as i said i was going to report them they stopped making false claims and they sent letters with REAL and FULL account numbers. As of right now they stil have different collections start dates than they originally had. I read XXXX XXXX 3rd party agreement and they are not following their wishes. They were supposed to contact me and help me settle my account, my account was to be charged off and to stau closed, they opened the accts back up without my knowledge and they wasn't suppose to use XXXX XXXX name to collect a debt. They knowingly made up fake accts just to hurt my credit. I had to purchase credit protection from XXXX to stop them.After what they've been doing to me, violating the code of ethics and me getting denied credit when i shouldn't have, I don't feel like i owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I have been fighting this case for over 5 years and this is the 1st time my loans were showing from XXXX XXXX college. I have written to Navient many times and the consumer protection bureau, Borrower defense to repayment, OIG the Ombudsman, I filed with FTC, the police, everything. You name it, I have done it and still nothing is being done about these loans that are not mine. The only thing that is happening is accrued interest. When I file a claim with the Ombudsman, they say they investigate the case and verify it and then it is closed. My complaint is with the Ombudsman with student aid for dropping the ball once again, and working on the side of Navient for misreporting these loans. I complained with FSA that they closed the case, and it was escalated to another review with XXXX who said I had 7 days to give them new evidence. 7 days after I have waited over 5 years! I have received 100 's of pieces of documents to comb through. I want them to stop sending me these useless documents that are already a part of the NSLDB and look at my evidence. She was supposed to get back to me last week on Monday and did not. I have not received any emails from her explaining what they are doing about my case or if they have received my information. From the information below, It clearly shows from my award letters that I only received 6 loans from XXXX not 11. Yet 11 are being reported with interest. When I spoke with the loan coordinator at XXXX they said they do not use account numbers, and could do nothing about it. I was like pulling teeth trying to get the information as no one wanted to be held liable.. Therefore since Navient won't remove the loans, it is the Ombudsman 's responsibility to protect the students welfare. I want these accounts removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I checked my Experian and XXXX XXXX accounts and realized I had inquiries that occurred without my permission. Also Experian says that I lived at an address that I've never heard of nor stayed at. Is that a sign of identity theft? 
The inquiries are that occured w/o my permission are : XXXX/XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry Date:XX/XX/XXXX XXXX XXXX/XXXX XXXX   Inquiry Date XX/XX/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 2020-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$6300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$6300.00} -This is not my account.

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 2020-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX, is a previous lender for a student loan I had. The account was bought out by another lender, XXXX or XXXX XXXX. Those accounts are current and are being repaid through Income Driven Repayments. I never defaulted on any student loans and this account is remaining on my credit with the comments discharge through bankruptcy with no payments missed. The issue is, it show as a negative impact to my credit history. Ive tried to resolve the matter on my own but of course, the account remains the same with no resolution. Im looking to make a purchase on a home within the next two years and Im looking to get help with removing negative accounts. Thank you in advance!

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 2020-05-03 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$6300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account.

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 2020-05-03 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$6300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 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: NJ

Complaint narrative:
On my Transunion credit report, the XXXX XXXX credit card account is reporting XXXX, XXXX and XXXX of XXXX in the historical payment history as " unknown '' for each month. For the sane account their is no past balance information reported for any of the reported starting in XXXX of 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