vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 non-monetary relief
Consumer complaint received 2022-02-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I have not received my 1099 tax document for calendar year 2021 from Navy Federal Credit Union and they are refusing to send me a copy of my 1099 tax document via a method with a tracking number such as by XXXX, XXXX, or USPS certified mail. This same issue happened last year and this year Navy Federal Credit Union advised that they may close my accounts as a result of this dispute. Please advise what assistance you can provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10 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: NY

Complaint narrative:
I was adversely effected by erroneous information on my credit report. I requested an investigation and removal of the erroneous information from my credit report. I can't get employment or housing due to this information.

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 2022-02-10 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.

Complaint narrative:
equifax has wrongly used my information on there XXXX XXXX that i have taken multiple loans on my PAN no. which is not true. The name which shows in there site is also not my name. They have ruined my credit and XXXX XXXX, for which i am not able to take loan from any bank. please look into the matter i am facing severe mental harrasement. ITS A CASE OF IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: DC

Complaint narrative:
According to 18 U.S Code 8 the term obligation or other security of the United States include all bonds, certificates, of indebtedness, national bank currency , federal Reserve notes, federal Reserve bank notes, gold certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United Stamps. 


Ive been trying to resolve this issue for quite some time now. Im mentally stressed out and depressed because of this fraudulent bill thats affecting my credit report and my lifestyle that Im trying to provide for my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: NC

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: VA

Complaint narrative:
I submitted a disputes to Equifax and they lied and said they verified the 3 bankruptcies but they did not. I also provided them with court documents that prove the 3 bankruptcies were falsely filed in my name without my consent. The court documents prove I sued the individual and won. The court determined I did not ever file bankruptcy. I tis obvious that Equifax did not review the documents I sent. I have proof they received my letter because I sent it certified mail. These illegal bankruptcies are preventing me from obtaining a place to live. I have been trying to get an aprtment. I have shown the court documents to apartment managers but they say there is nothing they can do because they base their decision of approval on my credit report. Equifax has the responsibility to properly verify my disputes and they filled to do so. Below are the bankruptcy information Equifax is reporting. 
1. Court Name : Federal Reference Number : XXXX Account Type : XXXX XXXXXXXX Bankruptcy 2. Court Name : Federal Reference Number : XXXX Account Type : XXXX XXXX Bankruptcy 3. Court Name : Federal Reference Number : XXXX Account Type : XXXX XXXX Bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Spoke with XXXX at Transunion XX/XX/XXXX about an investigation of fraud by Transunion betweenXXXX and XX/XX/XXXX whereby I as consumer have had my federally consumer rights violated by Transunion in conspiracy with furnishers who have breached consumer trust unfairly in violation FCRA confidentiality and right of privacy in the misuse of my good name in effort to profit off my trade mark and this has negatively impacted consumers credit worthiness, credit standing, credit capacity, character, general reputation. 
Transunion alleges to have investigated my concern but refused to provide written evidence by written authorization. 
Transunion has in conspiracy refused produce evidence of written consent or by what authority requires disclosure without consumer consent and in effect accepts liability of misuse of my property. see 31 CFR 1.32 ( c ) and 15 USC 1; 15 USC 15. 
No person shall publish, print, display or otherwise publicly use for purposes of trade or for any commercial or advertising purpose the name, portrait, photograph, or other likeness of any natural person without the express written or oral consent to such use given by : ( a ) Such person; or ( b ) Any other person, firm or corporation authorized in writing by such person to license the commercial use of her or his name or likeness see Florida Statute 540.08. 
Identity theft means a fraud committed using the identifying information of another person without authority. See 12 CFR 1022.3 ( h ). 
Transunion in conspiracy with furnishers to an elaborate mechanism has deprived my right to extend credit under color of law alleging whether authorized or not the consumer has no protected right to have information deleted from third parties as defined at 15 USC 1692c ( b ) respecting their privacy and confidentiality as expressed at 15 USC 1681 by Transunion. 

see attached complaint and FTC report dishonored.

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 non-monetary relief
Consumer complaint received 2022-02-10 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
To whom it may concern, Thank you for service. 

This complaint is concerning a Victoria Secret credit card account. This account was opened XX/XX/XXXX. It reports on my consumer file as CB/VICSCRT. This account was closed and charged-off as a bad debt and sold to XXXX ( XXXX XXXX XXXX ). I paid the account if full to XXXX XX/XX/XXXX. They in turn removed there mark from my consumer file. This account is closed and reports to XXXX ONLY as CLOSED, PAID IN FULL by Victoria Secret and still remains on my consumer file today. 
A cancelled debt or a charge-off is considered income according to the most recent IRS instructional publication. Furnishers of information are required to report debt to the consumer reporting agencies, not income. Why is this account still being reported? Victoria Secret never sent me a 1099c.

15 U.S. Code 1681s-2 clearly states the duty of furnishers of information. Its states they shall not furnish any information relating to a consumer to any consumer reporting agency if the person ( corporation or company ) knows or has reasonable cause to believe that the information is inaccurate. I have put them on notice numerous times. I have disputed this account personally over 10 times and have hired 2 separate companies to get this item remove from my consumer file. The inaccurate reporting of this account has been detrimental to me and my familys ability to obtain credit and to qualify for a XXXX  Veteran Home Purchase. I am demanding that Victoria Secret remove this inaccurate and invalid information from my consumer report because they are in clear violation of the law. 
Thank you for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: NY

Complaint narrative:
I was adversely effected by erroneous information on my credit report. I requested an investigation and removal of the erroneous information from my credit report. I can't get employment or housing due to this information.

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 non-monetary relief
Consumer complaint received 2022-02-10 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: NY

Complaint narrative:
I was adversely effected by erroneous information on my credit report. I requested an investigation and removal of the erroneous information from my credit report. I can't get employment or housing due to this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
On XX/XX/XXXX, I was once again contacted by Sunrise Credit Services regarding a cable/internet bill of {$55.00} and some change. This was the 4th or 5th call from Sunrise Credit Services. As I explained previously, with several representatives, I do not owe this debt as my contract with that cable/internet company had ended and I no longer continued with their services. This cancellation was right at the end of my contract, in XX/XX/XXXX. This cable/internet company bills a month in advance, thus billing me for the month of XX/XX/XXXX, when contract ended. Apprantly it took them days to do whatever it is thats done behind the scene to cancel the account and thus this {$55.00} remained on the cancelled account. While speaking with Sunrise Credit Services, I explained this and also supplied them with my current and on-going bankruptcy case number, which in this last conversation ( 2 times ) with a lady of an Island decent, stated that this case number was already on file. To my suprise, they were still calling me (??? ). A clear violation of my Rights under the FDCPA... under the Federal laws of the Bankruptcy Courts. She continued to question and make " strong '' statements regarding the amount balacne. I repeated myself about my Rights, she said a few more words ; this will be placed on your credit report and hung up. I called back to express my concerns about the enitre conversation and again, was met with rudeness. I have had to block all numbers that they continued to call me from. I also sent an email to serveral of their emails addresses, addressing the issue in hopes of Sunrise Credit Services cease immediately of these harassing phone calls.

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 2022-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
The collector that called me did not disclose the mini miranda or the recording disclosure. She also did not confirm any personal information before disclosing the reason for the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I received a letter in the mail from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX It alleges I had a debt in XXXX with LVNV Funding LLC in the amount of {$7200.00} of which I allegedly owe {$16.00}, XXXX. TWENTY TWO YEARS AGO, ARE YOU KIDDING ME. 

I have never had a debt with this company. I pay all bills on time every time. I have lived at the same residence for the last 12 years and not ever received this sort of notification, and my credit report as of XXXX of XXXX does not reflect this debt. 

I do not want to communicate with this company because I think it is a scam of some sort, and want your guidance and/or assistance in this matter. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: TekCollect Inc.
State: MN

Complaint narrative:
On XX/XX/2021, XXXX disputes were sent to the 3 major bureaus. The company TEK-COLLECT is still reporting the debt of {$19000.00} for XXXX XXXX is somehow mine when in fact it was another person who is now deceased.

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 2022-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Over the past two years, I set up autopay on my jeep loan maybe 6 times. Each time on bank of americas end, my autopay was ended without warning and I only found out when theyd call to tell me Im past due. I always paid right away as I have the ability to pay the loan off, but its a lower interest rate so Ive been leaving it there. It just happened for a 5th or so time and I dont feel my credit score should be impacted because their system is making it difficult to keep track of payments. When you sign up for autopay, there is some trust that it wont be cancelled by the bank without notice.

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 non-monetary relief
Consumer complaint received 2022-02-10 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: GA

Complaint narrative:
Experian Information Solutions has willfully and illegally reinserted a deleted account from XXXX & XXXX onto my consumer report that doesn't even belong to me on XX/XX/2022. This is the THIRD time this derogatory account has been placed on my Experian consumer report. Experian is in violation of Fair Credit Reporting Act 611 5 ( B ) ( i ) which states the following : Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

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 2022-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: TX

Complaint narrative:
I received a letter in the mail from : Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX www.credit-control.com It alleges I had a debt in XXXX with XXXX XXXX XXXX in the amount of {$7200.00} of which I allegedly owe {$16.00}, XXXX. XXXX XXXX YEARS AGO, ARE YOU KIDDING ME. 

I have never had a debt with this company. I pay all bills on time every time. I have lived at the same residence for the last 12 years and not ever received this sort of notification, and my credit report as of XXXX of XXXX does not reflect this debt. 

I do not want to communicate with this company because I think it is a scam of some sort, and want your guidance and/or assistance in this matter. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BSI Financial Holdings, Inc.
State: WV

Complaint narrative:
On XX/XX/XXXX my mortgage is paid in full, I tried to get in touch numerous times with BSI Financial service these are the people that holds my mortgage Either I waited on the telephone for at least 30 minutes or more, or we will lose connection. I did not get any information or letters stating that my mortgage was paid in full until I started calling BSI customer service every day after my mortgage was paid off in full.Then some of the response letters that I receive had misinformation.I see that BSI financial service had A settlement with consumers financial protection bureau in the past. I read the settlement and with my experience With BSI financial service, the practices that was stated as a complaint in settlement is continuing with BSI Financial service

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Sometime in XXXX, I was given a Jewelry Credit Card account with Wells Fargo and this account was shown on my dashboard for all of my accounts. Within a few months, Wells Fargo closed that line of credit, but I still continued to have a balance. I continued to pay on that balance for the next several years. It was a monthly payment that I thought would be good for my credit history. 

In XX/XX/XXXX, there was an occurrence that I guess I missed a payment. I was unaware that I had missed a payment and I don't remember seeing anything on my emails, dashboard or anything that said I was due. I know that I'm most definitely wrong, and that I most likely missed the month of XX/XX/XXXX in terms of what should have been a ( {$45.00} payment ), but I'm hoping and pleading with Wells Fargo that they grant me a 1x removal of that 30 day late entry on all three of the credit reporting agencies. 

I've since paid off the account and closed it ( as of XX/XX/XXXX ). I have also taken necessary " auto-pay '' features on all of Wells Fargo accounts I own so that I never miss another payment to anything. This one time removal I know is not something that is typical, but this entry is preventing me from pursuing a refinance loan thru the VA on my home and would really appreciate the courtesy and goodwill gesture. 

I've attached the screenshot of the reporting. I no longer know the account number associated with the file since the account is closed.

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