vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-20 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: WA

Complaint narrative:
I have invalid accounts reporting to my Experian credit report I have tried to solve this many times with the company both XXXX and the creditor Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

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 2020-08-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I filed chapter XXXX bankruptcy last year. My private loan was listed as debt, discharged due to my circumstances at the time. I had the debt removed from my credit report only to have it reappear 18 months later and Navient attempting to restart payments. I have disputed it to have it removed and they continue to try to collect, calling multiple times per day, send mail and now reports to credit. I called them and notified them that it was discharged and they refused to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: FC HoldCo LLC
State: AZ

Complaint narrative:
XXXX  has failed to verify debt and the investigative process XXXX XXXX XXXX XXXX  The Bankruptcy Court has no jurisdiction over credit consumer reporting agencies and the court does not notify reporting agencies when a bankruptcy case is filed, nor can the court request that a specific record be changed. Information on your credit report has generally been reported by your creditors and is gathered from public sources by the reporting agencies. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will re-check these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Flagship credit acceptance has refused to verify my account. 

XXXX XXXX XXXX XXXX has two entries they must be removed they are not my accounts XXXX XXXX XXXX  must be removed two entries they are not my account

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 2020-08-20 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: NY

Complaint narrative:
Dates : XXXX Amounts : {$180.00}, {$2300.00}, and {$38000.00}. Fraud Affidavits for all accounts were sent to the company and credit bureaus. 
Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Fraud Affidavits were sent to the company and credit bureaus and or pplication on file.

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 2020-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I went to order food on the XXXX of XXXX and noticed that my card was declined. I called customer service of Chase bank and they said that my account is frozen due to someone authorized 3 large amounts though quick pay XXXX  without my approval. Then the claims department said that they are fraudulent accounts and the other person wants their money back. I originally had {$1300.00} in my account after the bank returned this person money left me with- {$3000.00} in my account. I have to pay rent I'm unemployed and XXXX plus I'm engaged to be married how on earth I will ever get out of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Avid Acceptance, LLC
State: GA

Complaint narrative:
This company has reported inaccurately across the three bureaus as a student loan, an account that was under a bankruptcy and the amounts have been changed several times all inaccurate and falsely being reported ( which is illegal )

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 2020-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have a collection account listed on my credit reports by a debt collection agency, agency ARS ACCOUNT RESOLUTION I am not aware of this account, and I have always had medical insurance.

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 2020-08-20 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: AZ

Complaint narrative:
I have submitted complaints through Experian directly, and through you. through you to be exact. The problem is not getting fixed, either you are ignoring the issue or you are allowing them to record improper information with no respect for the FCRA and how it is written. I need to take this to the next level. If you can not deal with this, I will force someone to. At this point they have caused damage to me financially, and personally. It You, the CFPB are nothing more than passing the info oi give you to them, I can do that on my own. What is your purpose? Aren't you supposed to hold them accountable? I find that you are nothing more than a relay service that people think is doing something but really is not. So, for the sixth time, and final time, after this if it is not resolved I file suit. Experian is reporting balances and terms for items discharged in bankruptcy, specifically XXXX XXXX ( 2 ) XXXX XXXX  ( 2 ) and XXXX XXXX ( 1 ) the state they are following FCRA but they are not. They are contacting the Creditor, they should not. It was discharged in bankruptcy on XX/XX/XXXX. the bal should display paid in full, original amtXXXX XXXX, terms XXXX, it should show nothing, not charged off, nothing but discharged in bankruptcy. period. In addition, XXXX XXXX  is attempting to reopen a charged off account by adding payments due monthly since XXXX! this is against the law, I do not dispute their right to collect the original amount, however to keep it as a current account adding monthly payments to the total of a charged off account is unlawful. I do not believe they are checking this because the reports they state they are using backdate in some respects to XX/XX/XXXX. Now, with this in mind, I feel they should remove these accounts. they have had 6 opportunities to do it correctly, 4 through you. All they say to me is that it meets FCRA standards, which it does not. They actually sent me a 3x4 post card with nothing but their address and a copy of the FCRA on it saying they do not have to tell me anything at all. This is a total lack of respect for the law, and a slap in the face to you, the CFPB. If you do not reel them in and fix this, I will file suit by the mid of next week. I will not continue with such a poorly monitored credit bureau and if you continue to allow this, then your just as poor and require looking into as well.

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 2020-08-20 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: FL

Complaint narrative:
I Did not Authorize anyone to open these Accounts this was done without my consent all These Accounts is Fraud and I'm so sick of this nonsense with fraud I work to hard for this to happen 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 2020-08-20 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: CA

Complaint narrative:
This concerns my Experian Credit report. I have an item on it " XXXX XXXX '', which I paid off over a month ago. I have the written notice so stating from XXXX XXXX. Experian refuses to update my credit report and shows that I still owe on this loan. I sent them two dispute notices and downloaded the paid in full notice from XXXX XXXX. They persist in refusing to update my account. 

Why?

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 2020-08-20 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-08-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
This is New Case since case # XXXX was prematurely closed before arrival of supporting documents ( now available as attachment on that case ) I try to upload same documents here but file is too big???? 
big for new claim? Ok for closed? 

This is my Original Complaint /Demand sent to XXXX  XX/XX/XXXX Their Action is Bias, Unfair and allegedly NOT LEGAL Based on??? 

Refusal of communication via email in this Era ( XXXX XXXX   ) with explanation -protecting sensitive data is MADE UP STORY! 


ORIGINAL COMPLAINT / DEMAND lease # XXXX ... XXXX Hi there, this is 3- rd part of e-mail tread with customer that want to take over lease of my car on XX/XX/XXXX. 

Since that day I was trying numerous times to start process but I was repeatedly told by your rep. XXXX that you guys stop doing transfers on XX/XX/XXXX due to COVID 19 situation. 

That is totally understandable if was case for EVERYONE, But is NOT! 

here are the last 8 digit VIN 's of some of the cars that transfer process started After my initial attempt and refusal on XX/XX/XXXX : XXXX XXXX XXXX XXXX AS WELL AS UNLISTED VIN OF THE XXXX XXXX  XXXX. UNDER SALE ID # XXXX on XXXX. 

3 of those above mentioned cars have listing date after XX/XX/XXXX so it was NOT possible to as you claim that " TRANSFER STARTED BEFORE XX/XX/XXXX "! 

I'm not going to speculate here of possible collusion between you and XXXX but 2 of my prospective buyers before Mr. XXXX miraculously, after initial interest expressed and transfer process started, got contacted by new car dealer and purchased new cars. 

But I'm sure that I'm not isolated case, there is 1300 + listings there ... .. 

I was continually told things that are not truth including but not limited to that '' DMV 's  are not processing registration '' ... ... ... .. 

We contacted DMV 's in California, Texas and Massachusetts and get information that in fact they do. 




Long story short : I lost customer because of your bias action! 

I lost {$5000.00} that customer was willing to pay! 

I lost {$500.00} XXXX XXXX gift card that customer was offering me as token of appreciation ( please read all email treads! ) and on the end instead paying only one more month ( XXXX XXXX-XXXX XXXX ) I now own you 3 deferred payments and continuous payments afterwards. 

If car was transferred to Massachusetts license plates -credit of at least 90 % off of {$950.00} ( paid before XX/XX/XXXX ) was to be refunded to me upon registration of the car in different state! 




I want you to pay me {$6400.00} in damages. 

3 deferred payments forgotten. 




All above mention is recorded and verifiable. 




Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
There is an account that appeared while doing a credit check that was incorrect. This account has never been requested by me. It is a second mortgage debt through a company by the name of Select Portfolio Servicing. The account is said to have been opened in XXXX of XXXX   The loan was for {$100000.00} but there is a balance of {$55000.00}. We have never made a payment to this company and we have never been contacted by this company regarding payments or collections. We were not aware that this was on our credit report until we tried applying for a different loan with XXXX XXXX XXXX  recently. We did contact Select Portfolio Servicing directly and we were informed that they could not find that account in their system and they also could not match another account to my name, which is correct as we've never dealt with them before.

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 2020-08-20 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: FL

Complaint narrative:
I Did not Authorize anyone to open these Accounts this was done without my consent all These Accounts is Fraud and I'm so sick of this nonsense with fraud I work to hard for this to happen to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: FL

Complaint narrative:
I Did not Authorize anyone to open these Accounts this was done without my consent all These Accounts is Fraud and I'm so sick of this nonsense with fraud I work to hard for this to happen 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 2020-08-20 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: NC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For Transunion/XXXX/ XXXX & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. I represent that I do not owe any balances to any of these creditors nor have I ever applied for any services under these corporations or advised any to open credit it my name! 
You keep telling me that I am not the person submitting my own investigation and takedown request. Do you think I dont know how to write? I will file a discrimination complaint against you as well, if you continue to deny my request. 

XXXX/XXXX ACCT : XXXX XXXX : {$130.00} XXXX  XXXX XXXX ACCT : XXXX XXXX : {$250.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$500.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$630.00} XXXX XXXX XXXX/XXXX XXXX XXXX XXXX ACCT : XXXX ACCT : XXXX AMT : {$2300.00} AMT :  {$250.00} Also, the following unauthorized Credit Inquiries must be removed immediately without prejudice : XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have continuously been in contact with XXXX, XXXX and TU via the CFPB. Investigations have been continuously submitted. All CRBs seem to gloss over my request with pleasure. 
This is again a demand to remove and block erroneous and fraudulent information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 




I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, 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 2020-08-20 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-08-20 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: NC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX/Equifax/ XXXX & Attorney  General/Consumer Finance/XXXX.

RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. I represent that I do not owe any balances to any of these creditors nor have I ever applied for any services under these corporations or advised any to open credit it my name! 
You keep telling me that I am not the person submitting my own investigation and takedown request. Do you think I dont know how to write? I will file a discrimination complaint against you as well, if you continue to deny my request. 

XXXX ACCT : XXXX AMT : {$130.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$250.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMT :  {$500.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$630.00} XXXX XXXX XXXX/XXXX XXXX XXXX XXXX ACCT : XXXX ACCT : XXXX XXXX : {$2300.00} AMT :  {$250.00} Also, the following unauthorized Credit Inquiries must be removed immediately without prejudice : XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuously submitted. All CRBs seem to gloss over my request with pleasure. 
This is again a demand to remove and block erroneous and fraudulent information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 




I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation