vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-09 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: TX

Complaint narrative:
I have been sending letters to all three credit bureaus since XX/XX/XXXX. For my student loans my statue of limitation date are different on all three credit bureaus. Date of last activity, date opened are different across all three credit bureaus is a FCRA violation. Due to multiple FCRA violations, please delete! The statute of limitation is different from all three credit bureaus, XXXX is showing that the last payment was XX/XX/XXXX, but XXXX and Transunion show last payment was XX/XX/XXXX, that doesnt make sense. The late payment history is not correct, according to the two-year payment history TransUnion and XXXX shows that I was 30 days late in XX/XX/XXXX, but XXXX shows I was 30 days late in XXXX of XXXX. It also shows that I was 60 days late for the month of XX/XX/XXXX on Transunion and XXXX, but XXXX shows I was 60 days late XX/XX/XXXX. This is incorrect and my payments should be updated to current since the information is in violation of the FCRA. I even sent them copies of my credit report to show proof and all they say is its validated but it is incorrect information reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has 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 are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: FL

Complaint narrative:
Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has 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 are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX, XXXX Balance-

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 2022-02-09 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given EQUIFAX furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. 

Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information please remove the above-mentioned inquiries within 15 days of receiving this letter. It is your duty to accurately report information and as of now you are not doing that. I look forward to XXXX resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
Purchased a car from a dealership in 2015. I voluntary surrendered the car because I was sold a lemon ( a bad car ). It started having problems immediately after purchase. The car dealership has since closed down ( no longer in service ). I can not speak to someone at the dealership about this. However, the loan was with the company XXXX XXXX. XXXX XXXX will not remove the file off my credit report. I have spoken to someone from XXXX XXXX a few months ago and offered to settle the debt if they delete the file from my credit report. XXXX XXXX refused the offer. They also mentioned that the car was sold at auction. I do not feel I should be responsible for the car loan anymore. Because the credit company ( XXXX XXXX ), sold the car at auction, and because the dealership where the car was purchased has since shut down, and because XXXX XXXX refused a settlement on a car that had bad mechanical issues and on something that they resold. I have had this following me on my credit report since 2015. And have attempted various methods to get the company to remove the debt.

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 2022-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has 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 are the accounts that are reporting on my Credit Reports : XXXX XXXXXXXX XXXX Opened XX/XX/XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$12000.00}

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 non-monetary relief
Consumer complaint received 2022-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
as you know in my other complaints that i XXXX XXXX sent out two payments a month to my bill pay recipients. fifth third was paid several extra payments. when i asked for a refund they paid me TWO payments. i assumed they were keeping a payment for this month but this month they are calling me incessantly about my mortgage not being paid. when i call them they cant find where the money went as usual for fifth third. i still never got my {$800.00} back when my payment was re-evaluated. no answer to where that went and no credit anywhere for {$800.00} either. i am also contacting XXXX XXXX about this matter. i want my money back. the {$800.00} and also the excess mortgage payments that just disappeared into thin air.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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/2022 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'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 XXXX gives a reason to immediately remove those items from my credit report it 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 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
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
XX/XX/XXXX what I had thought was " payment in full '', for hearing aids, was sent to the lender, XXXX XXXX XXXX. The amount for the " payment in full '' was received from the lender via a telphone conversation. The lender had no problem depositing the payment. The next correspondance from XXXX received XX/XX/XXXX in the form of a delinquent account notice of {$750.00}. At no time between the time the " payment in full '' was made in XX/XX/XXXX and receipt of the delinquent account notice did I receive any correspondance from XXXX. I called the company 's customer service department on XX/XX/XXXX to dispute this notice. I was informed that the loan had not been paid in full, that an outstanding amount of {$16.00} was still owed. It is unclear if XXXX cited the incorrect amount due of if the mistake was on my end. That {$16.00} difference continued to build finance charges and ultimately late charges totalling {$750.00} as of XX/XX/XXXX ( date of delinquency notice ). Not once throughout XXXX did I receive any notice of continued finance charges. Since my telephone conversation, of XX/XX/XXXX, with the lender, I have received a copy of my original contract and a voice message to contact XXXX if I had further questions. I returned the call, but never received a response from the lender to help solve this issue. I am more than willing to pay the {$16.00} owed. However, the additional charges, in my opinion, are unfair and uncalled for - not to mention immoral - especially in the light of lack of communication throughout XXXX on the part of XXXX XXXX XXXX. Consumers seem to be at the mercy of such unfair business practices.

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 2022-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Company ( NCA ) This company has been mailing me notices of debt, amount ( {$1200.00} ) that I do not recognize. This account has been reporting a past due balance, and is currently reporting open and inaccurately. I do not know this company and have not done business with this company nor does this company have my signature on a contract & failed to provide one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SLM CORPORATION
State: CA

Complaint narrative:
I received emails Sallie Mae to make a credit card and pay off the student loan. 
However, When I talked with Sallie Mae-payment, I can not use credit card for the payment. 

It is a misleading information to make a credit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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:
I have been sending letters to all three credit bureaus since XX/XX/XXXX. For my student loans my statue of limitation date are different on all three credit bureaus. Date of last activity, date opened are different across all three credit bureaus is a FCRA violation. Due to multiple FCRA violations, please delete! The statute of limitation is different from all three credit bureaus, Equifax is showing that the last payment was XX/XX/XXXX, but XXXX and XXXX show last payment was XX/XX/XXXX, that doesnt make sense. The late payment history is not correct, according to the two-year payment history XXXX and XXXX shows that I was 30 days late in XX/XX/XXXX, but Equifax shows I was 30 days late in XXXX of XXXX. It also shows that I was 60 days late for the month of XX/XX/XXXX on XXXX and XXXX, but Equifax shows I was 60 days late XX/XX/XXXX. This is incorrect and my payments should be updated to current since the information is in violation of the FCRA. I even sent them copies of my credit report to show proof and all they say is its validated but it is incorrect information reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been sending letters to all three credit bureaus since XX/XX/XXXX. For my student loans my statue of limitation date are different on all three credit bureaus. Date of last activity, date opened are different across all three credit bureaus is a FCRA violation. Due to multiple FCRA violations, please delete! The statute of limitation is different from all three credit bureaus, XXXX is showing that the last payment was XX/XX/XXXX, but Experian and XXXX show last payment was XX/XX/XXXX, that doesnt make sense. The late payment history is not correct, according to the two-year payment history XXXX and Experian shows that I was 30 days late in XX/XX/XXXX, but XXXX shows I was 30 days late in XXXX of XXXX. It also shows that I was 60 days late for the month of XX/XX/XXXX on XXXX and Experian, but XXXX shows I was 60 days late XX/XX/XXXX. This is incorrect and my payments should be updated to current since the information is in violation of the FCRA. I even sent them copies of my credit report to show proof and all they say is its validated but it is incorrect information reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Received a letter in the mail dated XXXX XXXX, 2022, my co-signor on the private student loan received the same letter stated that my student loan was in default and need to be completely paid. by XXXX XXXX 2022 or lawsuit would start. The address on the return address does not exist according to XXXX XXXX, nor does the company name seem to exist. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX My loan is serviced through XXXX and I have contacted them. XXXX stated that they are not foreclosing on my loan and have no information about this letter. The original loan was with XXXX XXXX XXXX XXXX XXXX, c/o JPMorgan Chase Bank XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX they referred me back to XXXX. Do you know if this is a scam to try to get me to pay full amount of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX letter from collection agency name, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX, Amount due : {$470.00} XXXX XXXX, letter was sent to verify such claim, XXXX XXXX letter was received from XXXX XXXX XXXX to direct all communications to : Creditors, Bureaus Investment Group Portfolio No XXXX XXXX and XXXX Bank, XXXX XXXX. XXXX XXXX XXXX XXXX in the response were bills dated XX/XX/XXXX with the balance of {$200.00} with the late fee it adds to the amount of of {$470.00} dated XXXX was sent again for more verification of purchases date and name of store location and a copy of original bill with letterhead and my name on XXXX, response was received with the bill dated XX/XX/XXXX with the balance of XXXX as the original balance 1 month backward contrary from the previous bill date XX/XX/XXXX with amount of XXXX It was noted that in bill charges was added of {$79.00} and @ XXXX XXXX in the same date at XXXX ' XXXX XXXX to make it total amount of {$100.00} XXXX balance. I noticed Parts of the bill were erased with ink and address to may old address where I left years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: MS

Complaint narrative:
I applied for an installment loan over five times and was denied each time. I've cleared the balance of my previous loan months prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Global Asset Agency, Inc.
State: AL

Complaint narrative:
I received a notification on my credit report ( XXXX, experian ) showing this company had put a collection account on my report that I knew nothing about on XX/XX/2022. I never received any notifications in the mail stating of this account so I am not sure where this account came from. They gave me no written or verbal notification prior to putting this account on my credit report. I have no clue who this company is, or whom they represent. When I attempted to call the number that was on the report to see whom this company is and what this debt is about an actual person picks up the phone and says this isn't a company number but this is his personal cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: MS

Complaint narrative:
Equifax claims to have resolved my dispute and sent my results via mail. However that is false. Equifax never investigated this matter or resolved the issue. Please see attached what exactly is was that Equifax mailed. They did not send any results on a letter claiming to not be able to verify my identity per the re-investigation that was suppose to see place. Also see the date that they sent it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Collection Service Inc (GA)
State: GA

Complaint narrative:
I paid professional collection on XX/XX/2022 the amount of {$560.00} and spoke with the representative name XXXX. She assured me that the company would remove the collections on my account since I paid it in full. Well today is XX/XX/2022 and the collections still havent been removed. I have contacted XXXX several times and she has reassured me they would try to report it again as paid full and to request for the bureaus to remove the item off my credit report nothing has happened in over a month.

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 2022-02-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have noticed that you have placed an inquiry on my consumer credit file dated XX/XX/2020, TWO times. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose for doing so since I did not apply for employment with your organization nor did I request credit from your organization.

Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; '' You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law -- performing a " hard inquiry '' on my consumer profile without my permission. I do hope that we can settle this matter amicably. You can remove the inquiry within one ( 1 ) business day of the receipt of this notice. Or, we can meet in court where you will end up removing the inquiry, paying me the civil liability fine, punitive damages for my score drop, plus court and attorney fees. The choice is up to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX has me in collections and I HAVE NEVER HAD ANY DEALINGS OR ACCOUNTS WITH THIS COMPANY ... ... .They have me confused with another person who lives at same address and does have an account with this Company.

Never have I signed, ordered or requested services from this Company. I have disputed this claim with credit bureaus, recently XXXX has removed it from my credit report, waiting on the others. Please assist me to get their claim off my credit reports. Thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation