vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-01 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: MI

Complaint narrative:
i have contacted all 3 credit bureaus as well as XXXX  6 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the 3 bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$1200.00} balance and it is also reporting a credit limit {$1600.00} and a past due XXXX ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the 2 year history it is not uniform across the board which it should be ... they are reporting a new charge off every single month

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: NC

Complaint narrative:
Inacurrate and fraudulent accounts reported from my credit 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 non-monetary relief
Consumer complaint received 2021-12-01 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: TX

Complaint narrative:
Since XXXX of 2021, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the 3 credit bureaus, XXXX, Equifax and XXXX on XXXX/XXXX/2021 and XXXX/XXXX/2021 but nothing has been done. please help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Direct Recovery Services, LLC
State: GA

Complaint narrative:
Received initial call on XX/XX/XXXX and a subsequent text message on XX/XX/XXXX. Not once did the company disclose that theyre a collection agency. Looked up information and found out it is an old personal loan from XXXX. Received several calls afterwards regarding the same account. On XX/XX/XXXX, I received a voicemail that stated it was a final call and based on my public record, I needed to take care of this matter. Knowing it was a debt that was no longer collectible in my state, I called the company and spoke with XXXX. I advised her that it is a debt that is over XXXX years old and therefore is not collectible. I also advised I would be contacting an attorney regarding this obvious violation. She then states if I can afford an attorney then I can pay the debt and hung up the phone. The company is Direct Recovery Services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: NY

Complaint narrative:
Equifax credit bureau receive my documents to remove a inquiry. They sent documents stating that item has been deleted from my credit file. That item is still on my credit file ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: NJ

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
This complaint is being to the Consumer Financial Protection Bureau because my personal information were used to open fraudulent accounts with multiple entities. This entities include retail rewards cards and credit cards with financial institutions that I never dealt and done business with. I have contacted the credit reporting agencies as required by law to inform them and have them remove the fraudulent accounts from my information. However, XXXX and XXXX refuse to cooperate with the fact of the matter. I have followed every step they have advised me with, I contacted them, I contacted the Federal Trade Commission and filed an identity theft report to have these fraudulent account removed from my records. Yet, they have done absolutely nothing and refuse to do anything. By law, they are required to take action once they receive official government document that is filed with the Federal Trade Commission and have the fraudulent accounts blocked. I file this complaint against, XXXX, XXXX, XXXX XXXX and Nordstrom regarding the fraudulent activities that have been appearing on my credit records without my consent and authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
This spammer impersonating a representative from American Express is harassing me again, and I don't have any credit cards. I've called The real American Express last month and the phone number XXXX isn't their real phone number, and American Express will never call anybody.And they knew it's a scammer using their name to ruin their reputation by ripping us off when I don't have credit card debt. I don't mess with credit cards. I want this crook arrested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I SENT XXXX LETTERS TO TRANSUNION, XXXX AND XXXX. THEY HAVE NOT RESPONED TO REMOVE ANY OF THE ADDRESSES. IT HAS BEEN OVER 60 DAYS AND I NEED THEM TO REMOVE THE INFORMATION ASAP INSTEAD OF SENDING ME A CREDIT REPORT OR I WILL GET MY LAWYER INVOLVED.

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 2021-12-01 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, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as XXXX, Transunion, XXXX XXXX this is willful defamation. Infringement on my 4th Amendment rights, especially to privacy and to be secure in my papers. An Identity theft report has been done ( report Number XXXX ) in accordance with the Federal Trade Commission. I have sent certified mailings to credit bureaus demanding compensation from them due to the Civil Liability, the defamation and willful intent to infringement of my 4th amendment rights to be secure in my papers, which Have been fraudulent obtained and retained, without my consent. The deceptive, false claims made by business who are in collusion with these third party credit bureau who continually are buying and monetizing off my public information. I have sent demand letters to XXXX, transunion, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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 keep sending complaint to you about these accounts and I don't understand why you keep posting them on my name. I never apply for anything and I have no idea where they came from! I believe someone hacked my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I reach out to Pentagon Federal Credit Union via certified mail on XX/XX/2021 to exercise my rights to verified an alleged debt. 

Pentagon Federal Credit Union received my certified mail on XX/XX/2021 and they did not reply to me and I havent receive an audit trail & any other documents pertaining to the consumer credit transaction that I demanded in my cease & desist letter. 

I need this information to verify this alleged debt but Pentagon Federal Credit Union is ignoring me and this is an violation of my consumer rights

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 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax told me to send my information to them to verify who I am I have faxed my information as well as mailed it to them and still, they are telling me to send them the same information I have trying for the past XXXX years with them I am at the end of my rope I don't know what else to do please, please help me I don't know who else to turn too.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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:
This account has not been reported to the bureaus since my last complaint filed against XXXX with this office. The account is now paid in full and it is still reflection open and with a 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 2021-12-01 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:
This account has not been reported to the bureaus since my last complaint filed against XXXX with this office. The account is now paid in full and it is still reflection open and with a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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:
This account has not been reported to the bureaus since my last complaint filed against XXXX with this office. The account is now paid in full and it is still reflection open and with a 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 2021-12-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.

Complaint narrative:
I have a loan from XXXX XXXX, which is being serviced by First mark services. My total loan amount was US {$26000.00}, and I have been paying monthly payments of US {$340.00}. 
On XX/XX/XXXX, I wrote to Firstmark 's customer services to ask about complete repayment of my student loan and the amount that was due to be transferred. Since I am now working in the XXXX, I was advised to use XXXX. I was further informed in the email, " The total payoff amount on your loan is {$19000.00}, which is valid for 10 days through XXXX/XXXX/2021. This payoff amount includes the current principal balance, any outstanding interest and the interest that will accrue through the payoff date. '' On XX/XX/XXXX, I used XXXX to transfer a total of XXXX XXXX ( US {$19000.00} ), and received a confirmation that they received the amount of US {$19000.00} on XX/XX/XXXX. I have the receipt for the same. I was also informed by Firstmark services that my loan account would be settled with XXXX working days of XXXX receiving the payment. 
On XX/XX/XXXX, I checked my account and it continued to show the same outstanding amount. On checking my account further, I was shown that the payoff amount was XXXX. I paid the difference of US {$30.00} and received another email from the customer services at Firstmark saying, " Thank you for contacting Firstmark Services. 
The total payoff amount on your loan is {$19000.00} which is valid for 30 days through XX/XX//2021. This payoff amount includes the current principal balance, any outstanding fees and interest, as well as the interest that will accrue through the payoff date. '' I have paid everything due from my end and need a no dues letter to make sure that my loan account is closed. Firstmark customer care does not seem to understand and I fail to see what the problem could be. Can this be addressed please?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: CarMax, Inc.
State: FL

Complaint narrative:
This account has not been reported to the bureaus since my last complaint filed against Carmax with this office. The account is now paid in full and it is still reflection open and with a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: KS

Complaint narrative:
Received collections letter on XXXX21. Says that creditor is XXXX XXXX XXXX, Account XXXX. 
AFNI account : XXXX balance : XXXX Letter states a settlement offer of XXXX has been suggested. 

states XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
Have received a Vanilla Visa gift card. There is a fraudulent charge on the card at XXXX, on XXXX/XXXX/21 for {$63.00}. I never made this charge. There is no way to contact Vanila as they intentionally make it impossible to get a live representative. They are openly breaching VISA merchant protocol and are violating my rights. Their practices are dishonest and undoubtedly many people have suffered from similar issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I SENT XXXX LETTERS TO XXXX, EQUIFAX AND XXXX. THEY HAVE NOT RESPONED TO REMOVE ANY OF THE ADDRESSES. IT HAS BEEN OVER 60 DAYS AND I NEED THEM TO REMOVE THE INFORMATION ASAP INSTEAD OF SENDING ME A CREDIT REPORT OR I WILL GET MY LAWYER INVOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I SENT XXXX LETTERS TO XXXX, XXXX AND EXPERIAN. THEY HAVE NOT RESPONED TO REMOVE ANY OF THE ADDRESSES. IT HAS BEEN OVER 60 DAYS AND I NEED THEM TO REMOVE THE INFORMATION ASAP INSTEAD OF SENDING ME A CREDIT REPORT OR I WILL GET MY LAWYER INVOLVED.

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 2021-12-01 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: TX

Complaint narrative:
Since XXXX of 2021, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the XXXX credit bureaus, XXXX, XXXX and TransUnion on XXXX/XXXX/2021 and XX/XX/2021 but nothing has been done. please help me with this matter.

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 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Since XXXX of 2021, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the XXXX credit bureaus, Experian, XXXX and XXXX on XXXX/XXXX/2021 and XXXX/XXXX/2021 but nothing has been done. please help me with this matter.

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 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still 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 incorrect personal information that are still reporting on my Credit Reports and XXXX XXXX XXXX completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX, GA

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 2021-12-01 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 keep sending complaint to you about these accounts and I don't understand why you keep posting them on my name. I never apply for anything and I have no idea where they came from! I believe someone hacked my personal information

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