vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-19 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: SLM CORPORATION
State: CA

Complaint narrative:
I sent certified mail in XXXX to request a notarized statement attesting to their compliance with all provisions of the Fair Credit Billing Act with respect to my account : To Provide documentary evidence of my indebtedness for all charges for which they claim I made late payment.

To Provide documentary evidence of timely billing and timely posting of all payments made on this account, whether or not they claim they were late, from the date the account was opened through the present. I never received this information. Therefore, by law, the derogatory mark must be removed from XXXX, XXXX, and XXXX  immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: NM

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}.

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 ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -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 2020-10-19 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: NM

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}.

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 ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I have my credit damaged because of National Credit Systems XXXX Ga XXXX. 
I have never leased an Apartment from XXXX XXXX, nor applied and I am being charged {$220.00}. I have no knowledge of why they are very rude, and I was threatened to have it on my credit for 10 years by one of their agents. I feel this is not correct, and I wrote them to clear my credit. They have not, I want them to correct this charge. I would like to see the apartment, that they claim I lived in. I also want to see the monthly payments, utilities, and mailing address in my name at this location. I have in the past, went through the same problems with this
Apartment named XXXX XXXX. I finally had it cleared, and again I am having the same issue again.

I told them that I did not live at their apartment complex. I want this charge cleared once and for all. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: NY

Complaint narrative:
I have notified the XXXX bureaus a few times that i am a victim of identity theft. The account that is on my FTC report belongs to someone else It is listed on the my credit report but belongs to someone else

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 2020-10-19 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: ID Analytics, Inc.
State: OH

Complaint narrative:
THIS IS THE 3 TIME I HAVE FILED A COMPLAINT TO XXXX XXXX AND OTHER CRA. I have several addresses on my file that I never lived incorrectly listed on my credit file. My name is XXXX XXXX XXXX XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX. My SS is XXXX. Please delete any name variation and additional SS off my file ( Not my SS XXXX, Not my SS XXXX please delete 609 FCRA violation ) THE FOLLOWING ADDRESSES ARE NOT ACCURATE PLEASE DELETE : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX  XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX  XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX  XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have notified the XXXX bureaus a few times that i am a victim of identity theft. The account that is on my FTC report belongs to someone else It is listed on the my credit report but belongs to someone else

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: NY

Complaint narrative:
I have notified the XXXX bureaus a few times that i am a victim of identity theft. The account that is on my FTC report belongs to someone else It is listed on the my credit report but belongs to someone else

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 2020-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Collection Bureau, Inc.
State: GA

Complaint narrative:
I contacted this company in writing on XX/XX/XXXX to validate this debt by providing evidence that this debt belongs to me. I requested a signed contractual agreement from this company showing that I agreed to pay them and instead they provided me a statement from XXXX FL XXXX XXXX. This statement does not prove that this is my debt nor is it a form of validation. Also, this alledged debt has passed the Florida XXXX XXXX XXXX limitations to collect on an unknown debt. Based on my credit report, this debt was assigned back in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management
State: GA

Complaint narrative:
I contacted this company in writing on XX/XX/XXXX to validate this debt by providing evidence that this debt belongs to me. I requested a signed contractual agreement from this company showing that I agreed to pay them and instead they never responded but keep verifying the alleged debt with XXXX. Also, this alledged unknown debt has passed the Florida Statute Section 95.11 limitations to collect on an unknown debt. Based on my credit report, this debt was assigned back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
we have an account since XXXX with best buy, never being an issue.The account being in good standing since than and until XXXX ( 13 years ) XXXX find out : the account unexpected and suddenly was close by Best buy with no warning/notification or reason/ before closing an account in good standing since XXXX XXXX until XXXX XXXX XXXX XXXX find out in Best Buy store when trying to make a purchase & the system give errors.A store asociate call the main number Best Buy, that " the acount was close, suposely for " Inactivites ''. i said i dont understand never was late, nobody give anywarning that the acount will be close for " inactivites ''. Ask the store asociate to call back because maybe was a mistake, as I made a last purchase in XXXX. The second call to main Best Buy number phone operator say she can not see the reason why was close, to connect me to someone else. for unknow reason the phone was disconect ( me being in the Best BUy store talking from they phone line. Calling back ( 3time ) a person said that the acount was close for " sever delinquency '' from XXXX ''. i said the acount since XXXX never was a problem and is in good standing, evrything is payed, teling me to apply again and haresting me if i remember in the contact saying that Best Buy have the right to close the account if in XXXX showing up " serious delinquency '' i said no was any warning any notification of what you doing.i dont remember is long time ago, but to send me the contract where is saying this and the XXXX no have nothing to do with best buy acount in good standing.him refuse and told me to give me someone else over the phone. someone else saying the same asking to send the contract refuse, asking to restore the account refuse.Told him that i will make an complaint to XXXX and FTC, him don`t care.There was NOissues with the payments, the payment was law of XXXX $ XXXX, no was any financial treats to them, no legitimate reason to close the account after 13 years.I dont know what they doing when close the account, what lying they put on XXXX. don`t speak very well english. Best Buy perversely closing the acount without any legitimate reason, as the account was in good standing for 13 years, knowing that if i reapply again i will be rejected. they don`t have any legitimate reason to close and account in good standing, just because someone have a bad credit, creating more problem to this person credit score, by closing the acount. what i am disputing is the " unlawfully closing the 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 2020-10-19 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: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Navy Federal and XXXX  are still reporting XXXX old Navy Federal accounts that should have been deleted since XX/XX/XXXX. I am not saying the accounts are not valid. I am stating that under the fair credit reporting act, credit bureaus are not supposed to report after XXXX years. On XX/XX/XXXX it was officially XXXX years so these accounts should be deleted. These are Navy Federal account have a balance of {$5300.00} and {$2500.00}. I want both of these accounts removed from XXXX since XXXX years has passed on XX/XX/XXXX. XXXX and XXXX  have already deleted. Like I mentioned Im not saying the accounts are not valid I am saying that they are too old to be on my credit report with XXXX. I hate dealing with XXXX they always difficult and report information incorrectly often. All three credit bureaus suppose to be reporting the same information. Why would first delinquency be in XX/XX/XXXX for XXXX  and XXXX  but not for XXXX? XXXX is not following the law and reporting incorrectly. When I dispiute with XXXX they say the credit reported as accurate but that's incorrect. Once again I am not saying the debt or accounts are not valid but I am stating the fact that both accounts the first delinquency is XXXX XXXX XXXX as as of XX/XX/XXXX. So is it that XXXX  thinks they can do whatever they want and report different? Why there always problems with XXXX I don't have same problems with XXXX and XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX and Equifax are still reporting two old XXXX XXXX  accounts that should have been deleted since XX/XX/XXXX. I am not saying the accounts are not valid. I am stating that under the fair credit reporting act, credit bureaus are not supposed to report after seven years. On XX/XX/XXXX it was officially seven years so these accounts should be deleted. These are XXXX XXXX  account have a balance of {$5300.00} and {$2500.00}. I want both of these accounts removed from Equifax since seven years has passed on XX/XX/XXXX. XXXX and XXXX have already deleted. Like I mentioned Im not saying the accounts are not valid I am saying that they are too old to be on my credit report with Equifax. I hate dealing with Equifax they always difficult and report information incorrectly often. All three credit bureaus suppose to be reporting the same information. Why would first delinquency be in XX/XX/XXXX for XXXX and XXXX but not for Equifax? Equifax is not following the law and reporting incorrectly. When I dispiute with Equifax they say the credit reported as accurate but that's incorrect. Once again I am not saying the debt or accounts are not valid but I am stating the fact that both accounts the first delinquency is 7 years old as as of XX/XX/XXXX. So is it that Equifax thinks they can do whatever they want and report different? Why there always problems with Equifax. I don't have same problems with XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XX/XX/2020 I sent Letters to XXXX, XXXXx, and Transunion. It is Now XX/XX/2020 and i still haven't gotten a response. I also sent a Failure to Comply letter as well and still no response

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 2020-10-19 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: PA

Complaint narrative:
XX/XX/2020 I sent Letters to XXXX, Equifax, and XXXX. It is Now XX/XX/2020 and i still haven't gotten a response. I also sent a Failure to Comply letter as well and still no response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XX/XX/2020 I sent Letters to Experian, XXXX, and XXXX. It is Now XX/XX/2020 and i still haven't gotten a response. I also sent a Failure to Comply letter as well and still no response

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 2020-10-19 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: TX

Complaint narrative:
XXXX  found the 2 acccounts of XXXX XXXX XXXX  # XXXX to be inaccurate and removed the item on XX/XX/2018. XXXX XXXX XXXX # XXXX was removed during their investigations as well. I provided and disputed mulitple times with both XXXX and Equfiax aski

ng for the proof of what documents they are using to verify the information on these accounts and to provide such proof to me otherwise these accounts MUST be deleted. Neither complied therefore resulting in 2 plus years of bad reporting affecting my credit. I asked for Method of verification and it was not provided. There is multiple violations of my rights as of guidlines of the FCRA credit reporting act. Please see attach proof of deletion from XXXX  and disputes, complaints, and credit reports from XXXX  and Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX  found the 2 acccounts of XXXX XXXX XXXX  # XXXX to be inaccurate and removed the item on XX/XX/2018. XXXX XXXX XXXX # XXXX was removed during their investigations as well. I provided and disputed mulitple times with both Exeperian and XXXX asking for the proof of what documents they are using to verify the information on these accounts and to provide such proof to me otherwise these accounts MUST be deleted. Neither complied therefore resulting in 2 plus years of bad reporting affecting my credit. I asked for Method of verification and it was not provided. There is multiple violations of my rights as of guidlines of the FCRA credit reporting act. 

Please see attach proof of deletion from XXXX  and disputes, complaints, and credit reports from Experian 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 explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: MO

Complaint narrative:
I keep paying extra money and it keeps disappearing and not going to my principal so their charging more in compound Interest per day

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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 {$0.00}, {$73.00}, {$0.00}, {$0.00}, {$0.00}, {$660.00}, {$570.00}, {$1700.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$73.00} -This is not my account. 

3. XXXX  XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$630.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$570.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -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