vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-22 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: LA

Complaint narrative:
Due to fraudulent activity with my personal information I am having to go through months and months of back and forth with companies that will not comply with the laws. At this point I am absolutely speechless at how I am being treated with my disputes. I have completed a FTC for the issue and submitted a CFPB complaint before. I have given the company plenty of time to contact me with any results but they have failed to do so. According to the Fair Credit Reporting Act, I have completed my portion by completeing the FTC and CFPB, but still this item remains on my account with out proof of a wet signature. I would like this to be my final time trying to get this issue resolved. Remove the account immediately because the company has had plenty of time to recover and provide documentation. The FTC was filed at the end of XX/XX/2021 and the first CFPB was completed in early XXXX, as a result of being ignored, by these same companies. I have rights as a consumer and these companies must respect that.

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 2021-09-22 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: NY

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: NY

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2021-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
I had submitted a payoff request for one student loan that was granted that request and I received a letter stating that my loan was paid in full XXXX of XX/XX/2021. After this letter I had an additional loan taken out and that loan had merge or included the now paid loan balance in the total amount borrowed. So rather than having an entirely new loan with a principal balance of {$3800.00}, Fedloan merged the previous paid off loan and a new loan to create a loan with a original balance of {$7400.00}. I have sought to go through their email service and they declined to acknowledge that the loans were merged and claimed that each disbursement was separate and nothing has been merged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc.
State: NY

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I certify mailed debt collector One Main Financial a cease and desist letter last week, XX/XX/21. They received the letter Monday XX/XX/21. I have continually received calls from them after Ive asked for validation of debt. Pursuant to 15 USC 1692d a debt collector may not harass, oppress or abuse any person in connection with the collection of a debt. I feel COMPLETELY HARASSED at this point, giving that according to 15 USC 1692c ( c ) I notified the debt collector in writing by mail that I, the consumer, wishes the debt collector ceases further communication with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

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 2021-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Telerecovery Corporation
State: TX

Complaint narrative:
I looked at my credit report and saw Telercovery ( XXXX, Louisiana XXXX ) is reporting I never paid my bill. I have proof from hospital and doctors I paid them in full and XXXX XXXX is reporting the medical bill/debt to Telerecovery. 

I contacted XXXX XXXX XXXX and asked for proof that I owed money and why they were sending in medical bills to a collection agency and they assured me that they do not do that. 

I have requested proof of medical debt that is not paid and have not received anything. This is greatly impacting my credit and need to take action to fix that for financial prosperity purposes.

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 2021-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: NY

Complaint narrative:
On XX/XX/2021 I opened an account with Direct Express Bank ( located in XXXX XXXX ) by depositing two checks in a total amount of approximately {$2.00}, XXXX. I called the bank 's customer service number ( XXXX ) XXXX and spoke with XXXX, a customer service representative. XXXX stated that my balance is {$0.00} and that my account would not be credited until XXXX. I don't understand why I can't access my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: MI

Complaint narrative:
I received your correspondence on this alleged accounts stating you verified and updated these accounts XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX Trans XXXX XXXX XXXX  XXXXTrans XXXX  XXXX XXXX XXXX XXXX Trans XXXX XXXX XXXX XXXX Trans XXXX XXXX was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset.

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 2021-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates nor any medical action with their affiliates nor my family. they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with XXXX XXXX. I have provide everything that i was told to do by the CFPB, FTC and the Police department to show this account is fraudulent and that someone is using my information to obtain fraudulent services under my name and information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCM Finance LLC
State: LA

Complaint narrative:
I XXXX XXXX XXXX, entered into a consumer credit transaction with CCM Finance LLC on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. XXXX usc XXXX defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but CCM Finance LLC took cash. The finance charge is suppose to include insurance, but CCM Finance LLC made me purchase insurance separately. 15 USC 1692 ( a ) .states, Abusive debt collection practices contributed to the invasions of individual privacy, CCM FINANCE LLC willfully gave and willfully admitted to giving my information to a illegal third party, XXXX XXXXXXXX XXXX XXXXXXXX, who wasn't a witness to the agreement, and also I never made any agreements with nor contract with, my personal information to find my location, which is an invasion of my privacy and sensitive information, to come and steal my vehicle which is theft. CCM FINANCE LLC is in violation 15 USC 1611. CCM FINANCE LLC willfully and knowingly failed to provide/ disclose information required under the provisions of 15 USC 1601. They are now civily and criminally liable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
This is the last and final time I try to remedy this situation, or I would like to take legal action in civil court for defamation of character. creditor is in noncompliance with the FDCPA & FCRA By continuing to report false, inaccurate, unverifiable Items on my credit report creditor has not responded to my last five letters but states a response was sent. through my CFPB complaint they sent copy their response which are clearly inaccurate and incorrect. I have never received any response because creditor has inaccurate billing address on file. If any Investigation took place it is clearly inaccurate, how can you verify invalidate in item that does not match my state identification card. the fair credit reporting act states creditor must be able to provide original copies of contract bear in my wet signature, creditor states copy of contract were sent and that is a lie. Creditor sent all copies in there CFPB response and no such copies appear in the response given. No consumer contract with my wet signature was provided as the creditor stated, nor is billing address balance CORRECT OR CONNECTED TO ME, payment history is incorrect AND IN ACCURATE ON ALL CRA 'S. XXXX HAS A PERFECT PAYMENT HISTORY AND AT THE SAME TIME XXXX IS REPORTING A COLLECTION WHILE XXXX AND ZERO KNOWLEDGE OF THIS ACCOUNT.This creditor also states I made a recent payment of {$6.00}, false and against the law. If any payment was made, then Please provide copies of transaction statement that clearly shows I made a {$6.00} payment. if this negative reporting continues on my report, I am going to take legal suit against Toyota and the cfpb for allowing this to continue. Creditor is reporting incorrect accounts to addresses I DO NOT LIVE AT NOR IS THE ADDRESS ON MY STATE ISSUED ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
Apparently a credit card company sold my debt to XXXX XXXX XXXX sometime in early 2020. Since then they call at least 4 times a day from numbers different than the number they want me to call back including using the area code for the city I used to live in. They do not tell me what they are calling in regards to except that my social has been attached to a legal case in their office. They also send numerous texts regarding this as well. Also I told a representative that I wouldn't be able to pay until probably tax time and she very rudely told me that I will keep getting the calls until then and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
the credit bureaus XXXX, XXXX, XXXX  has been defaming my character and reporting false consumer credit transactions without my consent. I am a victim of identity theft and request these account be blocked from my credit file i have provided documents of identity theft and based on the consumer reporting agency and the fair credit repoerting act i need these action taken immediatley

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: DISCOVER BANK
State: AZ

Complaint narrative:
I have a credit card with Discover Financial Services. I sent an email on XX/XX/2021 to Discover Financial Services Executive Offices. That email requested a Check/Voucher for Exemption be sent to me in the mail or attached to my billing statement that would allow me to discharge my debt. Discover sent me mail containing a letter on XX/XX/2021 stating that they were closing my account and included all of my credit card statement history, but the Check/Voucher for Exemption was not included. 

I would still like Discover Financial Services to send me a Check/Voucher for Exemption. Discover is allowed to access my pre-paid credit at the Federal Reserve and I will be allowed to discharge my debt at the Federal Reserve with the Check/Voucher for Exemption. Discover Financial Service fails to follow the Commercial Administration Laws under Federal Title 15 that apply to their corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC
State: TX

Complaint narrative:
Apparently a credit card company sold my debt to Atlantic Recovery Solutions sometime in early 2020. Since then they call at least 4 times a day from numbers different than the number they want me to call back including using the area code for the city I used to live in. They do not tell me what they are calling in regards to except that my social has been attached to a legal case in their office. They also send numerous texts regarding this as well. Also I told a representative that I wouldn't be able to pay until probably tax time and she very rudely told me that I will keep getting the calls until then and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: CA

Complaint narrative:
I was looking at my credit report on XX/XX/2021 and notice I have unknown items on my credit report that I have no knowledge of, I have never done any consumer transaction with these businesses, my other problem is how can you let these companies furnish you with untrue, unproven and misinformation on my credit report without you notifying me that these items were going to appearing on my report, I have not given consent or authorized to do any consumer transaction with me. So I did further research and find out I was impacted by the Equifax data breach I have sent you a letter and you have not responded back to me yet!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: MS

Complaint narrative:
XXXX credit card company is reporting an account on my credit reports with XXXX and TransUnion. I do not have a credit card with XXXX and never have. They have refused to remove this incorrect information and it is adversely affecting my credit score!

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 2021-09-22 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: MS

Complaint narrative:
XXXX credit card company is reporting an account on my credit reports with Equifax and XXXX. I do not have a credit card with XXXX and never have. They have refused to remove this incorrect information and it is adversely affecting my credit score!

Company response to consumer: Closed with explanation