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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX fraudulently opened an account for a timeshare under my name and social. I have been in contact with XXXX XXXX since I became aware of the issue. XXXX XXXX from the XXXX XXXX department advised via email on XX/XX/2021 that the account would be closed and removed from credit reports as this sale was null in void and never signed for. 

I was also advised to file a report with the FTC and to dispute with the credit bureaus. 

XXXX XXXX does not have any validating information regarding this account. The only information provided is an UNSIGNED Deed of Sale and an email stating the sale was NULL IN VOID. 

XXXX and Equifax have failed to delete this fraudulent account. All documentation confirming this fraudulent activity was provided to the credit bureaus. 

The following account needs to be deleted : XXXX XXXX - XXXX REPORTED {$6700.00}

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: NCSPLUS INCORPORATED
State: PA

Complaint narrative:
The debt in question was paid some time ago. Yet, every month, or less frequently, National Credit Systems UPDATES the account as if new information/payment was processed, and reports new dates ( with the last reporting being XX/XX/2021 ), thus having a significantly negative impact on my credit profile and score ratings. Continually reporting that an account has been updated, when it has not, technically constitutes still attempting to collect on a paid debt.

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 non-monetary relief
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:
on XX/XX/2021 I have recently reviewed my credit report and notice there are items reporting that I have no knowledge of, I never had any consumer transaction, credit extended, or authorized doing any business with the companies, as a matter of fact, I was never notified that these items were going to appear on my credit report, I have sent you a letter of my concern of the misleading, untrue, inaccurate and unproven items on my credit report but I have not received a response for you yet, I'm positive this is a violation of my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
The company contacted by employer and told my employer that I was going to be served a warrant at my place of work. Repeated phone calls from several numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I was sued by Portfolio Recovery Associates. They submitted a robosigned affidavit. The same affidavit that you took action against in case File No. XXXX. The affidavit they sent to the courts is verbatim of the affidavits listed in the above case File of 2015 on page 13 paragraph b. and 14 paragraph c. They have spurned your discipline and are continuing in using these affidavits. I will be glad to send to you what they filed. The judge ruled against me based on thus affidavit alone! This is misleading and deceptive. 

Also I tried entering the last four of my SSN, but couldn't so here it is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: VA

Complaint narrative:
I called on XX/XX/2021 and reported XXXX charges that I have attempted to cancel for years. I was advised by Conduent that I had to cancel my credit card and they would waive the fee because the only to challenge the merchant is to complete a fraud report and change my card number. I advised the rep that I refused to pay the fee because it was the bank that decided to change my card number and she advised me the fee would be waived. After checking my statement and calling the call center on XX/XX/2021 I was notified that the fee would not be waived and there was nothing that can be done about it. This is deceptive and misleading. Also the denial of a disputes claim and being forced to file a fraud claim is violating the terms and conditions that I agreed to before I began using the card. I have also not received the documents nor the credits for neither the fraud or dispute claims. I am a requesting the documents for all my claims, the replacement card fee to be waived and the credits for the charges that I have been charged. As a government program to provided child support it is a shame that I have to go these measures to protect the money that I had to fight to receive for my children. I have not made a claim on this card since I have had it and to be treated unfair is shocking. I believe I have been discriminated against.

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 — Problem with personal statement of dispute
Company: CORELOGIC INC
State: MI

Complaint narrative:
I never applied for a mortgage. An inquiry appeared and dropoed my score significant amount of points.

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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Greetings, Ive noticed a series of unauthorized inquiries/ activity on my credit report. Some Ive been able to resolve, some I havent. 

Ive personally reached out to these companies as well as the credit bureaus individually ; the rebuttals have been ambiguous. 

Its prudent that these issues are resolved expeditiously because Im in the process of becoming a first time home buyer. Im also a business owner. An accurate credit profile will be advantageous in regards to achieving my goals/ expansion. 

The companies and inquiries are listed below. I will also attach documentation sent out to each company in efforts to rectify the situation. 

XXXX Suntrust DBA Lightstream XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXl XXXX XXXX XXXX XXXX XXXX  XXXX. XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmerAssist A/R Solutions, Inc.
State: TX

Complaint narrative:
AmerAssist had been calling me from multiple numbers and blocked numbers multiple times a day. I told them that they are trying to collect on a debt with no bill sent, just that its from XXXX XXXX XXXX, who i have already spoken to ( months ago ) and they confirmed that it was billed incorrectly. I had XXXX XXXX XXXX with them, and i paid UP FRONT for all costs associated with the procedure. In fact, they wont even let you have the procedure done until you pay your balance up front. I spoke to this office months ago and the woman informed me that it was billed incorrectly. But apparantly this has never been fixed on their end, as they decided to try and tack on another XXXX $ after i had satisfied my balance with them ( which again was paid prior to my procedure ). I informed them that i have also met my out of pocket maximum, and my deductible ( for the last two years ) and that i only go to in network practitioners, so i should not owe anything to any of my doctors, and if I did, i pay it directly in office. 

AmerAssist called me again and i informed them ( again ) that it wasincorrectly billed ( which happens quite often with doctors offices and facilities ). The woman snapped at me, said they would report it to my credit, and at that point i asked them to cease and desist. AmeriAssist has continued to harass me, call me, send me mail, after i have officially asked them to cease and desist. I have another letter dated XX/XX/21 that arrived in my mail box today, so they are in direct violation of the FDCPA at this point. I would like them to stop harassing me, and id like them to stop threatening negative action on my credit. I am tired of debt collectors taking advantage of people, and not even validating the debt before harassing consumers. They need to take this up with the doctors office, who needs to fix the billing mistake, and hasnt.

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 — Personal information incorrect
Company: LEXISNEXIS
State: AR

Complaint narrative:
I tried to obtain a XXXX XXXX card 3 different times ( since XXXX ) and they said that a company declared me as deceased. I wrote to XXXX XXXX and filed a claim ( CFPB ) that resulted in the discovery that Lexis Nexis is the company responsible for the incorrect information in their files. I have written to Lexis Nexis along with sending all the information that I sent to XXXX  XXXX to prove that I am not deceased. Also, according to XXXX XXXX, they also reached out to Lexis Nexis to let them know that the incorrect information came from them.

I have not received any correspondence or call from Lexis Nexis concerning this issue. I want them to correct my file and to tell me who is responsible for this information that they have in my file?

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: National Recovery Service, Inc.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on NATIONAL RECOVERY AGEN ( Original Creditor : XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Untimely response
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I never applied for a mortgage. An inquiry appeared and dropoed my score significant amount of points.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I made a previous complaint about an account XXXX XXXX XXXX XXXX XXXX in which after further investigation of the account the company sent out a letter to all three credit bureaus requesting the DELETION of ALL RAITINGS SUBMITTED by XXXX XXXX XXXX XXXX as of XX/XX/2021 but Experian has refused to removed the account. Every time I call I am treated with DISRESPECT and told that they ( Experian Staff ) " Dont Have To Do Anything '' and then even more negative remarks appear on the account with Experian Staff continuing to tell me that the Data Furnisher ( XXXX XXXX XXXX XXXX ) has been contacted and the account has been verified properly updated on XX/XX/2021 and XXXX XXXX. How is that possible????? I am in constant contact with the Data Furnisher and I know it is not true because XXXX and XXXX properly investigated the account and HAS REMOVED IT FROM MY CREDIT REPORT as of XX/XX/2021. I have had enough with the EGREGIOUS Actions that Experian Has Taken Against me. This is Discrimination!!!!! Every time I call I get bad remarks on A account that should have been Deleted Per the Data Furnisher 's Request???? As of today their are 30 Negative marks plus on this account.

Today I am up loading a copy of the CREDIT DELETION LETTER along with a copy of my ID and the information that is shown on my Credit Report from Experian who again is purposely keeping INACCURATE INFORMATION on my credit report which is hindering the proper Credit Score that I deserve.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.I 'm not swayed that XXXX XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
XXXX equifax and XXXX are COMMITTING ILLEGAL ACTIVITY AND DENYING ME AN INVESTIGATION FOR TWO MONTHS NOW CLAIMING AN INVESTIGATION IS IN PROGRESS, WHICH IT IS NOT!! IM opening a new complaint and suing them. They did not investigate and remove XXXX and XXXX XXXX XXXX and XXXX XXXX from my credit reports which are fraud and illegal accounts WITH ILLEGAL FRAUDULANT AMOUNTS AND INACCURATE, FRAUDULANT DATES WHICH UNDER SECTION 609 OF FCRA, XXXX EQUIFAX AND XXXX must REMOVE THIS FRAUDULANT ILLEGAL INFORMATION IMMEDIATELY. I DONT OWE THESE COMPANIES ANY MONEY AND THIS IS AN ILLEGAL FRAUDULANT DEBT. XXXX XXXX AND EQUIFAX did NOT perform a FCRA 609 investigation and PROVE in writing TO ME I owe these companies money for a legitimate debt which I DO NOT. IM NOT CALLING YOU ON THE DAMN PHONE AND SITTING ON HOLD WITH YOUR DEVELOPING WORLD CALL CENTER FOR HOURS TO GET MY CREDIT REPORT AND HAVE THESE FRAUDULANT ILLEGAL ITEMS REMOVED FROM MY CREDIT REPORT.!!. I HAVE REPORTED TRANUNION TO THE DC AND DELAWARE ATTORNEY GENERALS OFFICE, CASE NUMBER XXXX! XXXX EQUIFAX AND XXXX despises and discriminates against XXXX people AND XXXX veterans and intentionally causes them pain suffering and emotional distress!! I INTEND TO SUE XXXX EQUIFAX AND XXXX, THEIR PRESIDENTS AND ENTIRE BOARD OF DIRECTORS FOR PAIN SUFFERING AND EMOTIONAL ABUSE. XXXX EQUIFAX AND XXXX ARE NOW SOLELY REPSONSIBLE FOR ME NOT BEING ABLE TO PUT A ROOF OVER MY HEAD. THEY REFUSE TO PLACE IN WRITING THAT I DO NOT OWE XXXX OR XXXX OR XXXX XXXX ANY MONEY! REMOVE XXXX XXXX AND XXXX XXXX FROM MY REPORTS IMMEDIATELY!! IN ADDITION, XXXX EQUIFAX AND XXXX ARE RE-AGING THESE FRAUDUALNT ALLEGED ACCOUNTS TO MAKE IT APPEAR THEY ARE RECENT, WHICH IS ILLEGAL AS WELL.

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 — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
XX/XX/XXXX, XXXX ( they call Monday - Saturday ), I have requested that they stop calling me at my work number, because I am not allowed personal calls. They constantly call using a automated voice. I have requested that they communicate with me via postal mail services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on COMENITYBANK. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 
COMENITYBANK/NY & CO XXXX Balance {$0.00} COMENITYBANK/VICTORIA XXXX Balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: LA

Complaint narrative:
I XXXX XXXX XXXX, Have been violated of my consumer rights by Speedy Cash15 USC 1692b. ( 5 ) defines, not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. Speedy Cash used their company logo on each exhibit I've presented which is a violation of my consumer rights and privacy. 15 USC 1692e. ( 2 ) ( a ) defines, The false representation of the amount of any debt. All circled charges are in the positive, if it is a debt that is owed like they " allege '', all charges owed should be in the negative. 15 USC 1692b. ( 2 ) defines, not state that such consumer owes any debt. Speedy Cash, stated in letter that " This communication is from a debt collector. This is an attempt to collect debt and any information obtained will be used for that purpose. '' which is in violation of my consumer rights and privacy. 15 USC 1692d. ( 1 ) defines, The use or threat of use of criminal means to harm the reputation of any person. Speedy Cash, threaten to give my personal information to a illegal third party, which is identity theft, which is a criminal act, so that they can report falsely on my consumer reports which will ruin my reputation. Speedy Cash is in violation of The Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692, and is now civilly and criminally liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I was sued by XXXX XXXX XXXX. They submitted a robosigned affidavit. The same affidavit that you took action against in case File No. XXXX. The affidavit they sent to the courts is verbatim of the affidavits listed in the above case File of 2015 on page 13 paragraph b. and 14 paragraph c. They have spurned your discipline and are continuing in using these affidavits. I will be glad to send to you what they filed. The judge ruled against me based on thus affidavit alone! This is misleading and deceptive.

Also I tried entering the last four of my SSN, but couldn't so here it is 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 2021-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This CREDITACPT is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX and XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation