vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-08 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: MD

Complaint narrative:
I have been investigating my own credit reporting accounts myself after getting generic responses from them and the lack of investigation on their parts. I was receiving berries when I clearly knew the account was fraud, paid or inaccurate and reporting inaccurately continuously with no proof of debt validation required by Federal Law. They never stated how, they got the information either. Just falsely reports. I took matters in my own hands and now the COMPANY that stated I had a debt even requests removal! This is how I became very suspect and frustrated at the credit reporting agency inaccuracies. I know am about to file small claims court if the other accounts are not fixed I investigated and found not accurate either! Also an account was paid off and reporting inaccuracies that Im late! Proof attached! 

They have report XXXX XXXX  Account and this account is not even mine. The company themselves stated the social security number they have isnt even mine so how are they not removing this inaccurate account? 
XXXX XXXX was already contacted by the original creditor to remove the accounts XXXX XXXX  was found inaccurate and reported this XXXX found inaccurate XXXX XXXX was a medial bill in HIPPA Violation and removed from all credit reports but XXXX  XXXX was found inaccurate only Transunion reports this account XXXX XXXX XXXX was paid off trains in full and on time XXXX  - hasnt update files since XX/XX/2020 Still didnt remove inquires that were not authorized by me and inaccuracies reported XXXX just update but still reporting a medial bull that the XXXX XXXX asked to remove themselves because they were in HIPPA violation and all agencies removed but XXXX  Transunion XXXX Continues to report inaccuracies and also sends same generic report responses They have not removed all the credit inquires I send to them that were not authorized by me They are all inconsistent and not reporting accurate. They are not reporting debt validation. Its been over 120 days since I have provided proof on all these accounts inaccurate. 


This is my final attempt to have the agencies do their jobs by law and protecting my rights and credit with all these inconsistencies and inaccuracies. 

Thank you

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 2021-02-08 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: GA

Complaint narrative:
As I have not heard back from you in over 60 days, regarding my demand for proof, since my notice of dispute dated XX/XX/2020 ... proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

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 2021-02-08 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
American Express XXXX Open Date XX/XX/2014 Balance {$7000.00} As a client, I have legal rights that are provided to me to safeguard me through misinformation being reported on the credit report. At this point, I would like to produce a final petition for examination before I seek the advice of my attorney for advice on how to handle inaccurate and unverifiable issues that are continuing to be demonstrated as valid. You need to give me a copy of the agreement agreed upon or voice conversation where I certified billing me on this particular account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PENTAGON FEDERAL CREDIT UNION
State: MO

Complaint narrative:
My Penfed Credit Union Debit card was compromised on XX/XX/2020 and I was issued a new card. But the fraudulent charge ( {$13.00} ) from the transaction still remains on the account. I have been calling Penfed customer service for several weeks now, but the agents I have talked to haven't done anything. Penfed also has issues with their phone lines where the call drops all of a sudden.

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 2021-02-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One / Neiman XXXX Open Date XX/XX/2014 Balance {$950.00} As a consumer, I have rights that are given to me to cover me through misinformation being cited on this credit report. At this stage, I need to make the last demand for assessment before I talk with my attorney for advice on how to deal with inaccurate and unverifiable items that are continuing to be affirmed as true. Please make sure to deliver me along with a copy with the agreement fixed or voice discussion where I granted billing me concerning this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
On XXXX, 2020 my bill did not go through CREDIT ACCEPTANCE CORPOR - account with 1 missed payment. I am kindly requesting CREDIT ACCEPTANCE CORPOR to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

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 2021-02-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One Bank Usa XXXX Open Date XX/XX/2010 Balance {$2900.00} Capital One Bank Usa XXXX Open Date XX/XX/2010 Balance {$1800.00} As a consumer, I now have rights that are provided to me to guard me through misinformation being disclosed on this credit report. At this moment I would like to have a previous inquiry for examination before I seek the advice of my attorney for tips on how to deal with inaccurate and unverifiable items that are ongoing to be shown as legitimate. Please don't hesitate to present me along with a copy of the agreement approved or voice chat where I allowed billing me with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: GA

Complaint narrative:
I have never had any STUDENT LOAN ACCOUNTS! I have not heard back from you in over 60 days, regarding my demand for proof, since my notice of dispute dated XXXX XXXX ... proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

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 2021-02-08 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: GA

Complaint narrative:
I have never had any STUDENT LOAN ACCOUNTS! I have not heard back from you in over 60 days, regarding my demand for proof, since my notice of dispute dated XXXX XXXX ... proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
I learned that Freedom Mortgage had acquired my loan in XXXX of XXXX at which time I contacted them to let them know I get paid on the XXXX and XXXX of every month to which they replied " No Problem '' we can handle that for you. On XX/XX/XXXX I learned that Freedom Mortgage had reported my mortgage payment for XX/XX/XXXX as 30 days late which severely impacted my credit score. Upon further investigation, I also learned that they had increased my mortgage payment beginning in XXXX of XXXX without my knowledge. My payment amounts did not change in the entirety of this timeline, however Freedom Mortgage claims they were taking the {$38.00} increase from escrow to cover the payment every month except XX/XX/XXXX. The explanation from Freedom Mortgage was that they saw an upcoming escrow withdrawal and did not want to risk taking the {$38.00} again for XXXX. No Calls, No emails from Freedom, just playing XXXX with my finances.

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 2021-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Navient XXXX Open Date XX/XX/XXXX Balance {$2100.00} Navient XXXX Open Date XX/XX/XXXX Balance {$2200.00} Navient XXXX Open Date XX/XX/XXXX Balance {$150000.00} As a customer, I now have privileges that are granted to me to safeguard me from misinformation being disclosed on the credit report. At this juncture, I would wish to come up with a last inquiry for examination before I discuss with my lawyer for information on how to handle inaccurate and unverifiable items that are continuing to be affirmed as true. Please don't hesitate to generate me along with a copy with the agreement fixed or voice interaction where I certified billing me for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: MD

Complaint narrative:
I have been investigating my own credit reporting accounts myself after getting generic responses from them and the lack of investigation on their parts. I was receiving berries when I clearly knew the account was fraud, paid or inaccurate and reporting inaccurately continuously with no proof of debt validation required by Federal Law. They never stated how, they got the information either. Just falsely reports. I took matters in my own hands and now the COMPANY that stated I had a debt even requests removal! This is how I became very suspect and frustrated at the credit reporting agency inaccuracies. I know am about to file small claims court if the other accounts are not fixed I investigated and found not accurate either! Also an account was paid off and reporting inaccuracies that Im late! Proof attached! 

They have report XXXX XXXX  Account and this account is not even mine. The company themselves stated the social security number they have isnt even mine so how are they not removing this inaccurate account? 
XXXX  XXXX  was already contacted by the original creditor to remove the accounts XXXX XXXX  was found inaccurate and reported this Experian found inaccurate XXXX XXXX was a medial bill in HIPPA Violation and removed from all credit reports but XXXX  XXXX was found inaccurate only XXXX reports this account XXXX  XXXX  XXXX was paid off trains in full and on time Experian - hasnt update files since XX/XX/2020 Still didnt remove inquires that were not authorized by me and inaccuracies reported XXXX just update but still reporting a medial bull that the XXXX XXXX asked to remove themselves because they were in HIPPA violation and all agencies removed but XXXX  XXXX - Continues to report inaccuracies and also sends same generic report responses They have not removed all the credit inquires I send to them that were not authorized by me They are all inconsistent and not reporting accurate. They are not reporting debt validation. Its been over 120 days since I have provided proof on all these accounts inaccurate. 


This is my final attempt to have the agencies do their jobs by law and protecting my rights and credit with all these inconsistencies and inaccuracies. 

Thank you

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 2021-02-08 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:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2021-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MI

Complaint narrative:
This company Jefferson Capital has been coming after me for a debt in the amount of {$2000.00} Since XX/XX/2017 However they are not the legal owners of this debt and this debt was paid in full to the correct owners. I have submitted several disputes regarding this and have contacted this company directly. I was talked to very rudely and even hung up on which was very unprofessional. This company keeps harassing me with calls, letters and scare tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
Santander Consumer U XXXX Open Date XX/XX/2018 Balance {$42000.00} As a customer I have legal rights that are given to me to protect me from misinformation being stated on my credit report. At this stage I want to produce a previous request for investigation before I speak with my lawyer for tips on how to handle inaccurate and unverifiable items that are continuing to be established as legitimate. You need to have me along with a copy from the agreement approved or voice interaction where I permitted billing me regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST FINANCIAL BANCORP
State: IL

Complaint narrative:
In 2020, I opened an account with First Financial Bank under an active promotion they had that advertised a {$100.00} signup bonus to the customer and {$100.00} donation to XXXX XXXX upon meeting the requirements. The requirements were : use promo code " XXXX '' and have a direct deposit made to the account. I completed those requirements and never received any bonus. Repeated calls to customer service yielded a multitude of inconsistent responses ultimately refusing to pay out the bonus. I have a screenshot of when I signed up with the bonus stating full terms, however the bank updated their disclosures on their website after the fact, and are now referring back to the updated page to preclude me from getting the bonus. This sly act is eroding the integrity of this bank and I respectfully request that the bank pays out the bonus that was due to me.

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 2021-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: MD

Complaint narrative:
When reviewing my credit report I notice that L.J. Ross Association is attempting to collect this allege debt. I never gave them my written consent to furnish these things on my credit report. This is defaming my character and violating my rights as a consumer. I have attached the copy of my invoice which is due within 10 business days on a 10 % fee will be applied. I have attached a copy of my ID & SSC & a copy of my identity theft report ( FTC-XXXX ). Below are the violations L.J. Ross Association is in violation of 15 usc 1692b ( 4 ) L.J. Ross Association is in violation of 15 USC 1692c ( a ). L.J. Ross Association is in violation of 15 USC 1692c ( 1 ) L.J. Ross Association is in violation of 15 USC 1692d ( 1 ) .L.J. Ross Association is in violation of 15 USC 1692d ( 3 ) L.J. Ross Association is in violation of 15 USC 1692eL.J. Ross Association is in violation of 15 USC 1692f ( 1 ) .L.J. Ross Association is in violation of 15 USC 1692g

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: Simon's Agency, Inc.
State: NJ

Complaint narrative:
CFPB - Please review this for all consumers who are disputing collection accounts on credit reports as this issue is systematic - and against FCRA Simon 's Agency, is reporting data on my report that is wholly inaccurate, and then failed to identify this alleged debt as a medical collection and as mandated by FCRA. 

This is my dispute. 

Where these accounts exists - at a CRA XXXX, XXXX and XXXX the following, is occurring : 1. Simons Agency, a Debt Collector, is knowingly sending data to CRA 's, as if they are a Credit Grantor and with data attributes that Metro2, specifies should not be sent when a DC 2. Metro2 File Standards ( industry norm for accepting data at the CRA ) is followed, DC 's are required to send data in their file to a CRA : - Header ( Who is reporting, including ID or the data furnisher ) - Trailer ( File counts of records sent/activity ) - Base Segment - Consumer detail, tradeline info - Some attributes are not expected to be sent ( values are not defaulted ) to a CRA - K1 Segment ( Original Creditor/ Creditor Classification Code or Client Name/Client Type ) Many fields, are not expected to be sent - see attachment of Metro2 DC do not send Simons is sending them.

The Metro2 file - does not default There are no terms, no contract with or pay history expected of and from you. No contract exists with a debt collector. 

The Original Creditor - should not, and is not expected to be in a comment ( free form text field ) I have never - added a dispute on this account, and I am not impacted by a natural disaster This tradeline - collection account, fails to even show up in the raw data reports directly from the CRA - because, mimicking in data, a CG account. 

Its inaccurate, incomplete and defaming. 

This account does not have any FLAG for Medical collections - you list a specific hospital. 

This account acts like i owe you and as if your are a lender. monthly, and we have no such terms. 

This also serves as a DO NOT CONTACT request, and as per FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
XXXX and Amsher Collection agency are both trying to collect on the same debt that's not owed. I contacted XXXX-XXXX  for verification and have not received notification since XXXX 2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation