vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Don't recognize the inquiries bellow they are fraud and they did not have my permission or approval. I contacted each individual company they have no record or a file from me. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 2021-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Physicians & Dentists Credit Bureau
State: WA

Complaint narrative:
I have been contacted for the last 3 months from XXXX XXXX and XXXX 's collection company concerning XXXX  debt. When I was first contacted, I disputed the debt and asked for proof, including any signed contracts agreeing to the service and what I would be paying. The company only sent me a journal of the bills owing, nothing else, and it looked like some of the procedures were entered twice. 

I contacted them immediately about the missing information and was told by XXXX that they don't have to send me anything else but the statement. I told her that the amount contained a lot of interest charges and that there needs to be proof, in addition to the services preformed, what interest is agreed to in case of non-payment or breach. 

After two conversations, it was clear that XXXX was not going to accommodate my request. I gave her my work address for any service for lawsuit and told her not to call my cell phone. 

Today, XX/XX/2021, I received a call on our main telephone line and the person asked to speak to someone in our " Human Resources Department ''. I asked why, and she said she was calling on a personal matter and wanted to know if XXXX XXXX worked there. There was no need to call my work or " Human Resources Department '' other than to try and embarrass or harass me. I gave XXXX my work address and she knew is was my work address. I asked her to send any and all correspondence there. 

During the call, she said that I didn't specifically tell her not to call me at work, however, she did not call and ask for me, she called and asked for my Human Resources Department, she was trying to contact my employer directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I regularly make additional payments in advance through the website. Bank of America is misapplying my principal payments as future payments. The default calculation they use allows them to collect interest on the principle that has been paid. 

According to their website, I am paid up more than five months in advance. I don't want to be paid up 5 months in advance. I want all of the advance money applied to the principal. 

This in my opinion is fraud on a huge scale and should not be legal. Getting them to correct the problem takes considerable time through their IVR and with an agent. It isn't something a consumer should have to do.

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 2021-06-14 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: TX

Complaint narrative:
not mine : fcra XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY

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 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently disputed inaccurate or erroneous information on my credit report with all three credit bureaus XXXX, Equifax and XXXX. It has been over 70 days and I have still not received any investigation results from any credit bureau. I included a copy of my drivers license and social security card as instructed. I read online that the credit bureaus have 30 days to respond to an investigation and they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently disputed inaccurate or erroneous information on my credit report with all three credit bureaus XXXX, XXXX  and Experian. It has been over 70 days and I have still not received any investigation results from any credit bureau. I included a copy of my drivers license and social security card as instructed. I read online that the credit bureaus have 30 days to respond to an investigation and they have not done 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 explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: IA

Complaint narrative:
This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
I have contacted both CCS Collections and XXXX and neither would take the blame for the mistake but both did admit it was a mistake. They passed me back and forth to each other and did nothing to correct this. This debt is for someone else and debt collection agencies continue to put his debts on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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:
I am submitting this complaint because the companies listed have failed to respond to my requests to correctly validate the debts they are alleging belong to me. I sent a letter with documentation proving the debt is mine on XXXX XX/XX/2021 and have not received a response. The Fair Credit Reporting Act Section 611 ( a ) stats that a failure to investigate and deliver the items I requested within 30 days requires the immediate removal of the invalidated accounts off of my report. I requested these companies to validate the information on the report and they have failed to respond to my requests. Again I would like you to know that it has almost been 45 days. The items that I have listed within the correspondence I sent them must be deleted immediately please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship these companies have caused me. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: NY

Complaint narrative:
I am submitting this complaint because the companies listed have failed to respond to my requests to correctly validate the debts they are alleging belong to me. I sent a letter with documentation proving the debt is mine on XXXX XX/XX/2021 and have not received a response. I am aware that according to Fair Credit Reporting Act Section 611 ( a ), a failure to investigate and deliver the items I requested within 30 days requires the immediate removal of the invalidated accounts off of my report. I requested these companies to validate the information on the report and they have failed to respond to my requests. Again I would like you to know that it has been over 60 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship these companies have caused me. I was affected by the XXXX  data breach and this may be the result of this nefarious activity on my reports.

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 2021-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
There is a collection listed that is NOT accurate I do not owe XXXX. I was never informed of this collection company trying to collect this debt or I would have disputed this before it was listed on my credit file because it is NOT right. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: IA

Complaint narrative:
This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
Their staff is unprofessional and they use malicious intent to collect money that does not belong to them We do not owe these people nothing Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclays XXXX Mastercard incorrectly filed my item as " Item returned '' in the dispute case instead of filing it as " item rejected, not received. '' As a result of the Barclay Dispute department 's mistake, I was not able to get my refund of {$410.00} from the merchant, XXXX XXXX. Order # is XXXX. 
This is a violation of FCBA as Barclays Dispute department had incorrectly filed my dispute and is not unable to return the funds to me due to their mistake.

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 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, XXXX  and Transunion is of committing fraud and illegal activity under FCRA 609 by fraudulently and illegally placing an item on ALL my consumer reports unethically. This is an invasion of privacy 1692 ( a ) and they are in violation. I have been down to the local courthouse several times and they told me they have not reported anything to these bureaus. So, how are they getting this information. This is a serious violation and this item must be removed from my consumer report. These companies are committing illegal acts against me by placing these inaccurate items on my report. I have been denied employment twice already because of my consumer report. These companies are under investigation by the ATTORNEY GENERALS OF THREE STATES, THE CONSUMER SENTINEL, THE CFPB, THE FTC, AND IM PURSUING LITIGATION AGAINST THEM FOR FRAUD PAIN SYFFERING AND ILLEGAL ACTIVITY.

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 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, Equifax and XXXX  is of committing fraud and illegal activity under FCRA 609 by fraudulently and illegally placing an item on ALL my consumer reports unethically. This is an invasion of privacy 1692 ( a ) and they are in violation. I have been down to the local courthouse several times and they told me they have not reported anything to these bureaus. So, how are they getting this information. This is a serious violation and this item must be removed from my consumer report. These companies are committing illegal acts against me by placing these inaccurate items on my report. I have been denied employment twice already because of my consumer report. These companies are under investigation by the ATTORNEY GENERALS OF THREE STATES, THE CONSUMER SENTINEL, THE CFPB, THE FTC, AND IM PURSUING LITIGATION AGAINST THEM FOR FRAUD PAIN SYFFERING AND ILLEGAL ACTIVITY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX ran a credit inquiry through Trans Union that I did not authorize. I have never heard of this company.

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 2021-06-14 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
I attempted to remove the lates in lieu of good faith payments and the company hasn't complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC
State: IA

Complaint narrative:
This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC.
State: MI

Complaint narrative:
I had an auto loan closed out before the maturity date, without notice and sent to a 3rd party collections. I was unaware and made regular payments to the finance company until I was made aware. Subsequently I paid a settlement debt to the 3rd party. It has been since XX/XX/XXXX since I had made to settlement and still have not had the account closed, even after providing proof of the settlement. No date is set for the closing nor I can not get a straight answer when I will recieve the title in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian credit is reporting that I have a chapter XXXX bankruptcy currently. This I incorrect! I do not have a chapter XXXX bankruptcy. I have called them, I have written several correspondences. I have file 4 times to dispute the inaccurate information. I have attached official court records that prove I do not have a chapter XXXX bankruptcy and they will not remove it. 

Each time I am told it is accurate although I have the proof in writing. I have chapter XXXX and there is a substantial difference. I just want then to update the accurate inforntaion and they are refusing to do 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 explanation