vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-13 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: MD

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later, I have not received a response yet. I feel like I am being taken advantage of as well as my disputes are being ignored. As plainly stated in SECTION 611 ( a ) a failure to investigate these items within 30 days gives a reason to IMMEDIATELY remove those items from my credit report. I has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this have caused me. my information was also impacted by the Equifax data breach and may have got in the the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I attended XXXX from ~XX/XX/XXXX to XX/XX/XXXX. I was in the process of working on my degree when I left to join the XXXX XXXX XXXX. I had to pay back my loan over the next few years. During the initial in-processing to the school they had my mother sign up to what they called the XXXX XXXX ' loan. I'm unsure of the specifics of it, but I believe it basically copied my loan onto my mother in case the loan didn't work for me. Years later the lawsuit against XXXX came about. I'm again unsure of the specifics or if it even resolved. Despite my loan having been paid back in full by this time I was never reimbursed for any amount I gave. Likewise, my mother is still being forced to pay back her 'portion ' of the XXXX XXXX loan. Not only should my portion of the loan be forgiven and reimbursed, but the XXXX XXXX portion should also be nullified and my mother reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: Paramount Capital Group, Inc.
State: DE

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
PARAMOUNT XXXX Balance {$8900.00} Date Opened : XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX currently shows a {$370.00} collection for XXXX XXXX XXXX on my Equifax credit report, which I disputed repeatedly WITH EVIDENCE to no avail. Equifax refuses to remove this falsely reported debt, which I do not owe because my former Employer XXXX is responsible for this medical debt, see email confirming this by XXXX HR. 

Heres what happened. 

InXX/XX/XXXX, I worked at XXXX but was let go as of XX/XX/2018, and according to our separation agreement ( see email copy from HR ), my health insurance with XXXX was valid through XX/XX/2018. When I went to XXXX XXXX XXXX with XXXX XXXX, the front desk staff CONFIRMED that my health insurance was active and valid. Then, they sent me a {$370.00} bill. I contacted XXXX XXXX XXXX repeatedly. They said my employer would have to contact them. 

I contacted my employer XXXX ( see attached ) who confirmed my insurance had to be valid and active through XX/XX/2018. See attached emails. 

However, my former employer dissolved business, the HR person was no longer there, the CEO moved to another state with another company, and no matter where I emailed, nothing was emailed back. Phone was disconnected and so was the physical address. See attached emails. 

The {$370.00} is not the debt I owe for my XXXX XXXX XXXX  visit because as you can see from the attached proof, XXXX was responsible for paying it, not me. This must be removed immediately from my credit report. This is false reporting and violates my FCRA rights. Ive attempted multiple times to resolve it directly with the company to no avail. See my credit report copy from TODAY : this falsely reported collection still shows on my Equifax credit report and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
Creditors Bureau Associates currently shows a {$370.00} collection for XXXX XXXX XXXX on my XXXX credit report, which I disputed repeatedly WITH EVIDENCE to no avail. XXXX refuses to remove this falsely reported debt, which I do not owe because my former Employer XXXX is responsible for this medical debt, see email confirming this by XXXX HR. 

Heres what happened. 

In XX/XX/XXXX, I worked at XXXX but was let go as of XX/XX/2018, and according to our separation agreement ( see email copy from HR ), my health insurance with XXXX was valid through XX/XX/2018. When I went to XXXX XXXX XXXX with high fever, the front desk staff CONFIRMED that my health insurance was active and valid. Then, they sent me a {$370.00} bill. I contacted XXXX XXXX XXXX repeatedly. They said my employer would have to contact them. 

I contacted my employer XXXX ( see attached ) who confirmed my insurance had to be valid and active through XX/XX/2018. See attached emails. 

However, my former employer dissolved business, the HR person was no longer there, the CEO moved to another state with another company, and no matter where I emailed, nothing was emailed back. Phone was disconnected and so was the physical address. See attached emails. 

The {$370.00} is not the debt I owe for my XXXX XXXX XXXX visit because as you can see from the attached proof, XXXX was responsible for paying it, not me. This must be removed immediately from my credit report. This is false reporting and violates my FCRA rights. Ive attempted multiple times to resolve it directly with the company to no avail. See my credit report copy from TODAY : this falsely reported collection still shows on my XXXX credit report and must be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: Summit A*R, Inc.
State: FL

Complaint narrative:
On XX/XX/2021, Summit Account Resolution added a derogatory mark on my credit report per XXXX and XXXX. Upon further research, the account was transferred/ sold and I am no longer responsible for the account. A certified Debt Validation letter was delivered on XX/XX/2021 and in response, I received a bill. On XX/XX/2021 a second certified Debt Validation letter was sent. Debtors Creditor did not verify this debt. Also, there was NO written form of communications, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Summit Account Resolution, has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 

FRAUDULENT APPLICATIONS SUBMITTED TO XXXX XXXX XXXX, XXXX, XXXX AND XXXX XXXX ON XX/XX/2021. 

XXXX APPLICATION WAS SUCCESSFUL AND WAS CHARGED {$200.00}. 

OTHERS DENIED. 

4 FRAUDULENT HARD CREDIT INQUIRIES ON MY CREDIT REPORT AND NEED TO BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: CA

Complaint narrative:
My Visa debit card was lost and some unauthorized transactions where made after the card was lost. I logged into the app and noticed these unauthorized transactions. I immediately contacted customer service. There was no customer support phone number. My only method of communication was the chat/message feature in the CashApp. I informed and requested disputes to be filed with CashApp for the unauthorized transactions two weeks ago ( more than 10 business days ). I also declared my card lost/stolen within the CashApp to cease further unauthorized transactions and request a new debit card be mailed to me. I have followed up several times since with the CashApp chat regarding my disputes. I continue to receive responses that are not addressing my concern. Purposely avoiding my requests and dodging providing answers or solutions with such tactics as multiple responses of asking me for my email address ect. 
There are regulations that protect consumers and obviously my card was stolen. Nobody at CashApp is helping me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: Global Lending Services LLC
State: DE

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by the Bureaus. Despite sending them written letters for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, they have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : GLOBAL LENDING SERVICE Date of inquiry XX/XX/2021 GLOBALLEND Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ND

Complaint narrative:
My husband ran our credit report and noticed on XX/XX/2021, Bank of America ran my credit without my permission. I have been out of the country since XX/XX/2021, so there is no way they got written consent from me to do so. I have my passport stamp, work visa, and airline receipts to prove it. My husband has contacted them and they refuse to speak with him as to why it was run unless I am in the same room, which is impossible. I told them when I contacted them that I am international right now with an international phone line. They refuse to tell me why it was run unless we speak on the phone. I gave them my international phone number and they keep telling me their phones tell them they are not authorized to call me overseas. I have zero information about why it was run and they refuse to tell me over email or social media. I don't have the ability to call international from my current phone. My employer has called me just fine from the XXXX so it feels like I am being punished for their inability to call me. I am currently a XXXX  on XXXX XXXX on a XXXX XXXX  so I do not have access to a XXXX phone number. I just want them to tell me why it was ran, what for, how they got permission, etc, and to remove it from our credit report. Please help. I have attached proof of identity with my passport photo and proof of being out of country.

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 2021-11-13 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: Santander Consumer USA Holdings Inc.
State: DE

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by the Bureaus. Despite sending them written letters for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, they have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : CHRYSLER CAPITAL Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I recently satisfied a loan that was effecting my taxes every year by refinancing it, so that my new escrow analyses would be correct and make my mortgage payment lower. 

I notified my XXXX XXXX with several emails communications and attached documents proving an error had occurred with the property tax amount and that is was being corrected by the county. Once the correction was made i sent the mortgage escalation team the corrected document showing the change but they disregarded the change and paid the {$12000.00} in property tax amount that was incorrect. They will be doing a escrow analyses and my escrow account is in the negative over XXXX and the company will not make the correction to reflect the right amount due on the taxes of XXXX The issue has been well documented and the mortgage company was well aware of the mistake and still paid out the wrong amount to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: CA

Complaint narrative:
On XX/XX/2021 I submitted a 609 letter to XXXX, XXXX & Equifax asking for proof of verification for the following unverified accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Both my Citibank and XXXX cards were skimmed in XXXX XXXX. I contacted both companies and neither are cooperating in reimbursing the fraud. It is clear they are not me and I feel they didn't even both investigating. I am supposed to be protected from fraud and this is devastating as the amount for both together are almost {$3500.00}. I have filed a police report and have a copy, a report with the XXXX  ( for Citi ), and the FTC ( reference number XXXX ). Below are the amounts for both : Citibank XXXX XXXX XXXX - {$110.00} XXXX XXXX  XXXX Nevada XXXX {$150.00} ( I live in NC ) XXXX XXXX {$590.00} XXXX - {$180.00} XXXX XXXX Nevada XXXX {$200.00} XXXX XXXX XXXX {$490.00} Nevada CHild Support - {$300.00} ( I don't even have a kid ) XXXX  XX/XX/XXXX XXXX XXXX - {$480.00} and {$900.00}

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 monetary relief
Consumer complaint received 2021-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: FL

Complaint narrative:
The report that it has showing is supposed to be judicate it withheld and it's only showing up for their system but no other system

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: WI

Complaint narrative:
RE : Insufficient Response- FCRA Violation On XX/XX/2021 I submitted a complaint under case # XXXX and it was closed on the basis that TransUnion stated they will respond and investigate my complaint. 

After the CFPB closed my complaint, I received a GENERIC letter once again along with a copy of my credit report file # XXXX dated XX/XX/2021 indicating the item regarding the Bankruptcy has been verified. The letter was received on XX/XX/2021 VIA the United States Postal Service. It's evident that Transunion has refused to provide sufficient information as they are required by law. 

In my initial complaint filed on XX/XX/2021 I submitted a copy of my Fico credit report that showed the information was removed by XXXX and the information reporting for both TransUnion and XXXX did not match ; which means it was not 100 % accurate, fair or timely.

FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or CAN NOT BE VERIFIED, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

This is my final attempt to resolve this matter voluntarily or I will take every necessary step to ensure this complaint reaches the Attorney General offices XXXX XXXX. Also, I will be providing copies of all correspondences that were sent certified along with your responses to an attorney as proof of non-compliance as per the FCRA section 609 a ( 2 ).

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc.
State: NC

Complaint narrative:
I had a medical debt of {$160.00} which i wasn't aware of until I was in process of refinancing my home. I had never received any phone, letter or email communication from them. The company is called XXXX from Ohio. Had i known, i'd have paid it off for a such a small amount. They reported to my credit which took a long time to build. I paid that off immediately but my credit 's gone down significantly for {$160.00}. This happened during covid when i was laid off from my job Is there anyway you could help me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
CHASE CARDS AND CHASE MORTGAGE MUST NOW SEND PROOF OF DELETION LETTERS FROM XXXX ONLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: Santander Consumer USA Holdings Inc.
State: DE

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. Upon reviewing my updates, incorrect information was found in my reports. The Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : SANTANDER CONSUMER USA Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation