vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-27 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: IL

Complaint narrative:
I asked that the company prove that they are compliant in reporting items on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Inquiries unrecognized. I do not have an account with this company. Asked to investigate and remove. Experian ignored.

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 2020-10-27 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX has reported fraudulent information on my credit report. I have never had any loan, contract or debt obligation to XXXX XXXX XXXX, nor was I given written notification of this fraudulent debt, my right to dispute, and validation of this debt, which I have asked for on two occasions. This is a clear violation of The Fair Debt Collection Practices Act. Despite making this complaint regarding this to XXXX XXXX XXXX, XXXX, Equifax and XXXX, this fraudulent information still remains on my credit report in violation of Fair Credit Reporting Act. This three inaccurate unverified accounts are wreaking havoc on my credit and my ability to obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX has reported fraudulent information on my credit report. I have never had any loan, contract or debt obligation to XXXX XXXX XXXX, nor was I given written notification of this fraudulent debt, my right to dispute, and validation of this debt, which I have asked for on two occasions. This is a clear violation of The Fair Debt Collection Practices Act. Despite making this complaint regarding this to XXXX XXXX XXXX, Experian, XXXX  and XXXX, this fraudulent information still remains on my credit report in violation of Fair Credit Reporting Act. This three inaccurate unverified accounts are wreaking havoc on my credit and my ability to obtain credit

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 2020-10-27 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The settlement payment of {$210.00} was paid but XXXX  XXXX is still reporting that is a balance. The payment was made on XXXX XXXX then XXXX XXXX reports on the XXXX  i made a payment and still had a balance when they agreed with a settlement payment of {$210.00}

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 explanation
Consumer complaint received 2020-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX has reported fraudulent information on my credit report. I have never had any loan, contract or debt obligation to XXXX XXXX XXXX, nor was I given written notification of this fraudulent debt, my right to dispute, and validation of this debt, which I have asked for on two occasions. This is a clear violation of The Fair Debt Collection Practices Act. Despite making this complaint regarding this to XXXX XXXX XXXX, XXXX, XXXX  and Transunion, this fraudulent information still remains on my credit report in violation of Fair Credit Reporting Act. This three inaccurate unverified accounts are wreaking havoc on my credit and my ability to obtain credit

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 2020-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau : I was sued in small claims court by XXXX  XXXX and went to court on XX/XX/XXXX. The collection agency that took me to court was Atty. XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX claimed I opened an account with them on XX/XX/XXXX and paid perfectly until XX/XX/XXXX. I filed bankruptcy in XXXX and all credit card accounts including XXXX XXXX was discharged in Chapter XXXX bankruptcy on XXXX of XXXX. There was no way that four months later after Chapter XXXX discharge XXXX XXXX nor would any other credit card company extend me any credit let alone a high balance of over {$7600.00}, which they stated I owed. I went and filed an identity theft report with The XXXX police department to have them investigate if anyone was using my identity because the Collection Agency insisted this was a new account opened and I know I did not do it. I presented all evidence in court and the Collection agency presented their evidence. The judge agreed with me that there was no evidence that this was a new account and the collection agency could not present a contract, any receipts or evidence of payments from me during the XXXX XXXX time period that I supposedly paid on the account. The judge dismissed the case and asked that the case be removed from the docket of the Court and all cost incurred be taxed against XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX, XXXX removed the Collection Account from my credit report and XXXX XXXX closed the account and removed the negative account from my credit report.

The Problem I am having is with the Collection agency Portfolio Recovery, LLC. Without any notification or opportunity to present my information to dispute the validity of the debt, Portfolio Recovery has put this old collections account, which has run the statute of limitations, been ordered removed from my Credit Bureau report in court, back on my report showing the account opened in XX/XX/XXXX. I have written the three Credit Bureaus on several occasions asking that this account be removed. I have sent a copy of the Judges order and even asked how a Collection company can collect on an account that has been removed from my Credit Report by the original creditor, has inaccurate dates, be allowed to remain on my Credit Bureau files. I am repeatedly told by the Credit Bureaus, that the account has been verified. Please help me with this issue. It is causing me harm and disqualifying me from promotions on my job and all types of credit rejections all because this rogue company feels they can just take advantage of the consumer and violate the Fair Credit Reporting Act. I had never heard of Portfolio Recovery until they showed up on my Credit Bureau reports, which I went to court and did all I could to take care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: Kriya Capital, LLC
State: OH

Complaint narrative:
After looking over my credit reports, I've noticed there were fraudulent accounts that do not belong to me and never authorized any contracts and business with this company. The following account is listed below : CREDENCE RESOURCE MANAGEMENT ACCOUNT # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: FL

Complaint narrative:
I am currently on a graduated repayment program for my Sallie Mae student loans. I usually pay around {$190.00} per month, however, I'm a little behind and currently owe {$380.00} for last month 's payment and this month 's. 

I have reached out to Sallie Mae a few times between XX/XX/XXXX and XX/XX/XXXX. Aside from reaching out to them myself, they have been calling me non-stop to get my account " current. '' Each representative I speak with basically threatens me by saying if I don't make the payment by a certain dateXXXX XXXXstthey 'll report me to the credit bureau AND drop me from the graduated repayment program. 

Aside from being threatened, here are my issues : 1. I have been financially affected by the pandemic, and Sallie Mae advertises VERY CLEARLY that their borrowers are their first priority and that they will help in any way that they can. When I called MULTIPLE TIMES for said help, the representatives told me that I have no other options. Not one person I have spoken to has put me through to someone who maybe can help or even knew what to do other than reading off their script. 

2. I'm on the graduated payment program for a reason. It's because I couldn't afford to make payments upwards of {$700.00} per month. At this point, I'd like to add that no one would help me during that time either and in order to get onto the graduated payment program, I basically had to stop making payments so the company would get scared and put me through to a resolution specialist. So, if I can barely afford to make my payment of {$190.00} right now, how am I supposed to afford $ XXXX per month if they kick me off the program? What am I supposed to do then? 

I have filed a complaint directly with Sallie Mae, but surprise, surprise, they haven't gotten back to me. I am absolutely disgusted with the way I'm being treated and with their XXXX XXXX representatives calling me to demand money and threaten my good name if I don't pay. These are unprecedented times, and my account has been in good standing for the past year and a half. It's not as if I'm just withholding moneyI 'm barely keeping up with rent and the other bills I have to pay! It's ridiculous that Sallie Mae 's only concern is driving their borrowers into the ground with debt and predatory interest rates with no life raft during times like these. 

I did my part by contacting Sallie Mae to find out what my other options are. All I needed was a little breathing room to catch up on my payments which is more than possible within the next week or two, but they don't seem to care. Pre-pandemic I was becoming more and more financially stable, and now I'm lucky if I can afford the gas for my car or groceries. What Sallie Mae is doing is criminal and someone needs to put an end to it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 I made a 3 check deposit at the bank of America drive thru ATM. At the same time I tired to withdraw {$1000.00}. Nothing came out, neither cash or receipt. immediately after I called customer service and spoke to XXXX on the phone. he said to go into the branch and try again because the money was still there and not to worry. I tried to withdraw inside with no luck. ATM said I could not withdraw a second time. At this point, since I had been a 30 year customer I trusted that the money would be there tomorrow. I called multiple times asking about the missing money of {$1000.00}. On XX/XX/XXXX they gave me a temporary credit of {$1000.00}, while the case was being investigated. Again, I trusted the system that everything would be resolved. On XXXX they sent me a letter saying they were taking the {$1000.00} back due to their findings. No explanation of what they found. Claim # XXXX. Called customer service and spoke to XXXX, XXXX and XXXX. They all said I need a subpoena to access their findings.

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 2020-10-27 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: IL

Complaint narrative:
Investigation ignored. Took more than 30 days.

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 2020-10-27 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: TN

Complaint narrative:
Remove all accounts that don't belong to me

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 2020-10-27 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
# XXXX XXXX complaint submitted two months ago to XXXX and American Express XXXX does not provide address of customer service in XXXX and refused info after many requests. 
I submitted telephone numbers to cfpb if not sufficient, forget XXXX and send this message to American Express to resolve issue

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-27 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: UT

Complaint narrative:
I filled a I filled a Dispute in regard to the inaccurate items on my credit report its been will over 35 Days. I am distressed i haven't requested any information on the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: DISCOVER BANK
State: VA

Complaint narrative:
On XXXX I received an update from XXXX  stating that my past due history increased for Discover from 96 % on time to 100 % on time history. I reached out to Discover and asked that since this had been updated for XXXX, to please update to the other bureaus. The first response I received regarding this new request was around XX/XX/XXXX and it stated that in XXXX I had already requested to have the payment history updated and the information remained the same. They also deleted the current payment history from XXXX. I sent another request to the executive office and was advised by them that their decision to update my past due history to current has not changed based on the investigation in XXXX, this apparently did not address my concerns. Did they not see the inquiry from XX/XX/XXXX? 

Discover has been the best card and I now feel like Ive been mistreated and discriminated against. Ive explained in the past that the payment was a simple mistake and my husband was in the hospital back in XXXX and I spent many days in the hospital and just forgot to make the payment on time. Neither agent investigated the fact that one of the bureaus is reporting XX/XX/XXXX as current as of XX/XX/XXXX. I only asked Discover to update it based on that and as a goodwill. However, they deleted the current information from XXXX, how distasteful. No proper investigation has been done because if it did I would have a new response regarding why XXXX  is  reporting all past due history as current and the others not. Instead Im given generic responses and investigation has been done. My consumer rights have been violated and Im sure it will fit under a UDAAP regulation and Fair Lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Remove all accounts that don't belong to me

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 2020-10-27 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.
State: TN

Complaint narrative:
Remove all accounts that don't belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: MD

Complaint narrative:
I submitted my letter on XX/XX/2020 today is XX/XX/XXXX and its been 32 days and you have neglected to respond.Per the FCRA you have 30 days to validate the debts or remove these accounts. Please remove these accounts immediately. 
I have included a copy of the letter that I mailed to you certified on XX/XX/2020.

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 2020-10-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In XX/XX/XXXX, I noticed my credit score drop from XXXX to XXXX. Upon looking into the 3 credit bureaus : Experian, XXXX, and XXXX, the only negative remark they have is from my XXXX account based on the following : late payment in XXXX and high credit amount of {$270.00} on XX/XX/XXXX. These negative remarks have been on my credit report for the past 6 years. This being the only negative remarks on my reports, there is no reasonable explanation as to why my credit score dropped almost 30 points in these recent months. I already submitted disputes with no favorable resolve. I also contacted XXXX  and they have not made any other types of reporting to the bureaus. I can't get a hold of anyone on the phone to explain this drop in points to me. I also have low credit utilization on XXXX  ( a XXXX  balance for the past 2 years ) and less than 14 % on my other credit card XXXX. My loans have been decreasing significantly this year. I am extremely displeased with these credit bureaus. PLease help.

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 2020-10-27 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've sent 2 disputes to equifax about an account that is not mine.one in late XXXX and in XXXX. XXXX XXXX  account # XXXX. This not my account nor did i give permission or ask for this account to be placed on my report. I have no idea who account this is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: TX

Complaint narrative:
A Credit Reporting Agency ( CRA ) sent attached letter reflecting the statement " Your written authorization may not be required to constitute permissible purpose. '' Per Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] of the FCRA reflects : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or Are CRA 's relying upon # ( 3 ) for the verbal permissible purpose? If so, should the person be listed on inquiries as the one responsible of pulling credit? If not, what part of the FCRA Section 604 is the reason for the statement " Your written authorization may not be required to constitute permissible purpose ''? Does the FCRA then allow for that person to share with others? 
Are verbal permissible purposes to a person wise in this time, 2020, of rampant identity theft and fraud?

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