vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
The company that i was working for pin this on me and they went belly up.Therefore, since i was XXXX a XXXX XXXX at the time. The company owner did not provide me with proper equipment, in this case snow chains. And then i got a ticket for not carrying snow chains after pleading to get me the chains.I have made an attempt to pay for some of these fee but i have realized that i can dispute the matter and i will do so till i get the results i need.

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 2021-10-25 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: AR

Complaint narrative:
On XX/XX/XXXX I sent Experian a certified letter disputing a bankruptcy that are reporting on my credit report. I received an email and letter back from Experian stating that the items in questions were 'verified ' through the Bankruptcy court as accurate and has not changed. Also on XX/XX/XXXX I mailed a letter to the bankruptcy court and XXXX XXXX asking if Experian contacted them to verify my information. On XXXX XX/XX/XXXX I received a letter from the U.S. Bankruptcy Court that that they do not provide information to any credit reporting agency. 

On XX/XX/XXXX, I received a responses back from XXXX XXXX could not verify the items in question and have deleted and updated my file with in their database. 

On XX/XX/XXXX I mailed a certified letter to Experian disputing the Bankruptcies with proof from Bankruptcy court and XXXX that the items in question could not be found from each source. I checked my Experian credit report on XX/XX/XXXX with an updated that the information is still accurate and no changes will be made. 

Per FCRA usc 1681 ( a ) Consumer reporting agencies have assumed a vital in assembling and evaluating consumer credit and other information on consumers. 

As a consumer my credit report is inaccurate and needs to be updated. Please delete the item if can not be ( verified ) in 30 days. Their is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality. I have a right as a consumer ( which is me ) to the right to privacy. I have not given any information to any credit bureaus to furnish any unsolicited documents about me which is illegal. 

This is my consent as a written permission to contact the credit bureau.

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 2021-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
Good day. In XXXX i paid an collection from XXXX XXXX dated XX/XX/2021, original balance was XXXX, it was paid in full & now the balance is listed as " XXXX '' paid in collections as negative status the amount & this was paid though aldous and associates. Hear me out, I am a young man trying to solidify my pursuit of happiness through stabilizing my credit because i understand the importance of it now. This XXXX XXXX account that should be closed and removed from my credit profile is stagnating my opportunities for me & my company, it has also interfered with my ability to obtain housing ( Because the collections is having a negative impact on my profile. Ive put in multiple disputes, The XXXX XXXX representatives were hardly any use, they basically in context told me that they couldn't do anything for me that i needed to contact the creditor. i contacted the creditor & they redirected me back to XXXX. At this point im begging for your help, I have a XXXX here with me in XXXX, New York. im working on my credit profile so i can take out a loan to assist with moving out of New York. Most of my friends were killed within the last 5 years, please this is vital to me. 

You can also check my XXXX and XXXX reports. this same collections was removed from both reports, but for some reason its sticking on transunion it doesn't make sense ( once again i paid the full balance i didn't settle all the evidence is there on all 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 2021-10-25 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: GA

Complaint narrative:
I have paid off an old account on my credit report XXXX XXXX. I have sent in documentation from the company to the credit bureau showing that I have paid it off. The credit bureau is showing the account as a charge off when it is not a charge and have it down as a negative item on my report

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 2021-10-25 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: NY

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: GA

Complaint narrative:
I have paid off an old account on my credit report XXXX XXXX. I have sent in documentation from the company to the credit bureau showing that I have paid it off. The credit bureau is showing the account as a charge off when it is not a charge and have it down as a negative item on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: OR

Complaint narrative:
So a few things wrong with this Equifax report is they have me as XXXX XXXX on this one thing as shown in pictures but on the account they have my actual name correct, I have tried to dispute this I'm not XXXX XXXX,. 
2. Second thing is I got one of his debts I'm asking for to your help on removing this name from my account, and all the accounts associated with it on my file, thank you. Also I sent a multiple pictures of my ID and everything else yeah so I'm not XXXX XXXX in California

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: AR

Complaint narrative:
On XX/XX/XXXX I sent XXXX a certified letter disputing a bankruptcy that are reporting on my credit report. I received an email and letter back from XXXX stating that the items in questions were 'verified ' through the Bankruptcy court as accurate and has not changed. Also on XX/XX/XXXX I mailed a letter to the bankruptcy court and XXXX XXXX asking if XXXX contacted them to verify my information. On XXXX XX/XX/XXXX I received a letter from the U.S. Bankruptcy Court that that they do not provide information to any credit reporting agency. 

On XX/XX/XXXX, I received a responses back from XXXX XXXX could not verify the items in question and have deleted and updated my file with in their database. 

On XX/XX/XXXX I mailed a certified letter to XXXX disputing the Bankruptcies with proof from Bankruptcy court and XXXX that the items in question could not be found from each source. I checked my XXXX credit report on XX/XX/XXXX with an updated that the information is still accurate and no changes will be made. 

Per FCRA usc 1681 ( a ) Consumer reporting agencies have assumed a vital in assembling and evaluating consumer credit and other information on consumers. 

As a consumer my credit report is inaccurate and needs to be updated. Please delete the item if can not be ( verified ) in 30 days. Their is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality. I have a right as a consumer ( which is me ) to the right to privacy. I have not given any information to any credit bureaus to furnish any unsolicited documents about me which is illegal. 

This is my consent as a written permission to contact the credit bureau.

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 2021-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank closed my account without warning and without reason, and has not reimbursed me for the remaining 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 explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: LA

Complaint narrative:
I was XXXX  on XX/XX/XXXX. I provided both of my insurance cards on the date of treatment. I did not receive any hospital bills. In XX/XX/XXXX XXXX XXXX  whom I do not have a contract with placed a collection account on my credit reports for {$1400.00} on the behalf of XXXX XXXX XXXX. I disputed the validity of the account and also reminded XXXX XXXX that they were in violation of the HIIPA Laws. XXXX XXXX could not validate this alleged debt but instead sold my personal information to XXXX XXXX. XXXX XXXX is now trying to also collect the same debt for {$1400.00} on the behalf of XXXX XXXX XXXX. I did not authorize nor sign any records for XXXX XXXX XXXX to share my personal information with any third party company. The date of service in question I provided insurance cards to the hospital. I have proof of coverage for the date in question. I have proof from my insurance company that XXXX XXXX group did not make a claim for the referenced amount for that date nor the time frame allotted to file a claim. I spent one hour on the phone with XXXX XXXX XXXX representative and he agreed my insurance was not billed but I would need to show proof I was insured at the time in which I did the date of service physically and the MyChart application for billing shows both of my insurances. Ive contacted my insurance companies to obtain proof again in which MBA Law knows and XXXX XXXX XXXX. I spoke with MBA Law who could not validate the bill but stated if I show proof of insurance for the time in question MBA will stop trying to collect. Ive provided proof of insurance to both companies however this medical collection has damaged my credit profile. MBA bought my personal information from XXXX XXXX who bought my personal medical information from XXXX XXXX XXXX is a violation of my rights. Ive asked MBA Law to Cease however the company has not. Im not responsible for this debt as previously stated. XXXX XXXX XXXX has and always had my insurance information on file. I provided my insurance ID Card at the date of visit. I had and still have insurance coverage. I have proof my insurance was not billed on the listed charges by XXXX XXXX XXXX. I did not authorize XXXX XXXX XXXX to disclose my personal health information with MBA Law or XXXX XXXX who are trying to collect on the behalf of XXXX XXXX XXXX for a null and void bill based off XXXX XXXX XXXX negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25 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: FL

Complaint narrative:
The CFPB. Is not in my opinion on the consumers side. NOTHING EVER CHANGES for the good of the consumer. Our Debt to income has gone down significantly and is a major factor in securing financing but over the years that never drops and credit scores remain under 600. Furthermore you do not read this you just ship it to the reporting agency who could dare less. By opinion you all work together to keep people in bondage. Example major auto debt and loans paid.but never reflected!!!??

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 2021-10-25 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: FL

Complaint narrative:
The CFPB. Is not in my opinion on the consumers side. NOTHING EVER CHANGES for the good of the consumer. Our Debt to income has gone down significantly and is a major factor in securing financing but over the years that never drops and credit scores remain under 600. Furthermore you do not read this you just ship it to the reporting agency who could dare less. By opinion you all work together to keep people in bondage. Example major auto debt and loans paid.but never reflected!!!??

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 2021-10-25 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: FL

Complaint narrative:
The CFPB. Is not in my opinion on the consumers side. NOTHING EVER CHANGES for the good of the consumer. Our Debt to income has gone down significantly and is a major factor in securing financing but over the years that never drops and credit scores remain under 600. Furthermore you do not read this you just ship it to the reporting agency who could dare less. By opinion you all work together to keep people in bondage. Example major auto debt and loans paid.but never reflected!!!??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: FL

Complaint narrative:
I sent XXXX a Verification Letter on an account originally with XXXX XXXX and asked for info proving that it's my debt. In response, I received the attached two letters. The second account, I had never had even been contacted about and I have no knowledge of. I had asked for documentation to verify that XXXX is the owner of the accounts ; that they are licensed to collect in Florida, a copy of the nost recent statement from the original creditor and a copy of an application for credit that I had signed together with any other pertinent information. The letters I received in response only show my last name, last 4 of my SS # and the " Date Account Opened Provided By Seller ''. One of the accounts goes back to 2013 and should not even be reported on my credit bureau reports since it exceeds 7 years. I also filed a dispute with Experian but it was declined.

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 2021-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
These accounts do not pertain to me at all. Please have them removed from my credit report immediately. 1. CAPITAL ONE BANK USA N XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX. XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: LA

Complaint narrative:
I was hospitalized on XX/XX/XXXX. I provided both of my insurance cards on the date of treatment. I did not receive any hospital bills. In XX/XX/XXXX Capio Partners whom I do not have a contract with placed a collection account on my credit reports for {$1400.00} on the behalf of XXXX XXXX XXXX. I disputed the validity of the account and also reminded Capio Partners that they were in violation of the HIIPA Laws. Captio Partners could not validate this alleged debt but instead sold my personal information to XXXX XXXX. XXXX XXXX is now trying to also collect the same debt for {$1400.00} on the behalf of XXXX XXXX XXXX. I did not authorize nor sign any records for XXXX XXXX XXXX to share my personal information with any third party company. The date of service in question I provided insurance cards to the hospital. I have proof of coverage for the date in question. I have proof from my insurance company that XXXX XXXX group did not make a claim for the referenced amount for that date nor the time frame allotted to file a claim. I spent one hour on the phone with XXXX XXXX XXXX representative and he agreed my insurance was not billed but I would need to show proof I was insured at the time in which I did the date of service physically and the MyChart application for billing shows both of my insurances. Ive contacted my insurance companies to obtain proof again in which XXXX XXXX knows and XXXX XXXX XXXX. I spoke with XXXX XXXX who could not validate the bill but stated if I show proof of insurance for the time in question XXXX will stop trying to collect. Ive provided proof of insurance to both companies however this medical collection has damaged my credit profile. XXXX bought my personal information from XXXX XXXX who bought my personal medical information from XXXX XXXX XXXX is a violation of my rights. Ive asked XXXX XXXX to Cease however the company has not. Im not responsible for this debt as previously stated. XXXX XXXX XXXX has and always had my insurance information on file. I provided my insurance ID Card at the date of visit. I had and still have insurance coverage. I have proof my insurance was not billed on the listed charges by XXXX XXXX XXXX. I did not authorize XXXX XXXX XXXX to disclose my personal health information with XXXX XXXX or XXXX XXXX who are trying to collect on the behalf of XXXX XXXX XXXX for a null and void bill based off XXXX XXXX XXXX negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc.
State: KY

Complaint narrative:
This debt was from a workers compensation injury claim for physical therapy that was paid by my personal health insurance by mistake. My health insurance company refused liability for debt and reversed the payment. I have notified workers compensation insurance company ( XXXX ) and sent them the bill for the debt. Ive done all I can do to resolve this issue. The collection remains on my credit report and is hurting my near perfect credit score that I have worked so very hard to obtain.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: FL

Complaint narrative:
I sent XXXX a Verification Letter on an account originally with XXXX XXXX and asked for info proving that it's my debt. In response, I received the attached two letters. The second account, I had never had even been contacted about and I have no knowledge of. I had asked for documentation to verify that XXXX is the owner of the accounts ; that they are licensed to collect in Florida, a copy of the nost recent statement from the original creditor and a copy of an application for credit that I had signed together with any other pertinent information. The letters I received in response only show my last name, last 4 of my SS # and the " Date Account Opened Provided By Seller ''. One of the accounts goes back to 2013 and should not even be reported on my credit bureau reports since it exceeds 7 years. I also filed a dispute with XXXX but it was declined.

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 2021-10-25 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: MN

Complaint narrative:
I am disputing the following non-XXXX XXXX Inquiries on my credit report.- XXXX Issue This inquiry is fraudulent. 
XXXX XXXX Issue This inquiry is fraudulent. 
XXXX - CARD SERVICE Issue This inquiry is fraudulent. 
XXXX XXXX XXXX XXXX Issue This inquiry is fraudulent. 
XXXX XXXX Issue This inquiry is fraudulent -- -- - Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 
These unauthorized/fraud inquiries have been the reason for my credit denial and hardship.

Company response to consumer: Closed with explanation