vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-15 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: MI

Complaint narrative:
I submitted a fraud dispute to Experian in XXXX after a few weeks the results came back verified. I called XXXX from Experian who's in charge of my file, asking what documents were shown to Experian that warrants the account verified. He claimed to me that all he can say is that the account was verified electronically. It is now 2022 we all know the way the credit reporting agencies dispute a consumers dispute. XXXX Continued to claim that he can not share how the dispute was verified and that the account holders word has more power than mines XXXX XXXX Experian 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 non-monetary relief
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners
State: FL

Complaint narrative:
I received a medical collection debt on my credit from XXXX XXXXl from 2015. In 2015 my XXXX and I were on XXXX. It doesnt look like they ever submitted this claim to my insurance. I can provide them with that information if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
For years I had issues with dealing with sallie Mae to XXXX with Navient with paying for my student loans. I had to stop going to school due to the interest. I could not find a job to afford the payments. I have been living at home for years after college. I was harassed by sallie Mae and navient to the point I do not want to speak with them. I was unemployed in for a year and Navient did not care. They wanted me to pay my student loans when you know unemployment does not pay that much in Maryland. During the pandemic, They promised to stop the payments for 6 months but that was a lie. They told me that i had to call in every month. When I was on the Income driven program, for over 2 years. They claim that the program did not exist. My loan is almost XXXX due to interest which they did not disclose that IT would be over 21 %. This has become a predatory loan. I work for a medical non profit which I am unable to afford to payments due to making below 80 to 90 k. I barely make XXXX XXXX and it took me 5 years to go from XXXX  - XXXX XXXX  They also are unable to provide me refinance option with their organization which is very odd due to unreachable qualification. The reason why I don not qualify is because Navient affects my credit score which affects my change to refinance with their organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In XX/XX/21 I disputed this account ( XXXXXXXX XXXX ) that it showing inaccurate payment history for ( XXXX mos ) showing 120 days consecutively late. How can this be accurate? " Correct Rating XXXX '' are suppose to show XXXX, etc. I have repeatably requested that this account be validated and to this day you have not corrected this information. FCRA states that information must be verifiable and 100 % accurate! I Demand that you update this account to show " PAID AS AGREED '' or I will litigate this due to the stress that you have cause 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 2022-01-15 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:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting 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
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio
State: CA

Complaint narrative:
This company bought debt from money mart which was an account the was opened in XXXX. They are inaccurately reporting date of debt and reopened from new company as of XX/XX/XXXX. I have disputed it however the company came back as accurate. It is wrong to report an old debt as a new debt money mart was the original collector and sold this to VANCE AND HUFFMAN LLC who I am referring to as reporting inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-15 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: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NEXA Mortgage, LLC
State: CA

Complaint narrative:
To whom it may concern I was coerced into continually running my credit to qualify for a refi mortgage by a loan XXXX named, XXXX XXXX of Nexa Mortgage. XXXX XXXX led me to believe that he needed to continue to run my credit to check for any improvements while knowing that it had no bearing if his company would approve a refi on my XXXX, all the while the continual inquiries on my credit started to affect my score. I was later told by another loan XXXX that XXXX XXXX was only running my credit to fulfill a quote. This type of " baiting '' affects my credit and XXXX 's license as a lending XXXX needs to be suspended. 
Thank you for your attention to this matter, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: GA

Complaint narrative:
I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This is causing financial injury, Defamation of character and also I can't even attain a job. During this crises I can't even obtain a sba loan for my company as well as a place to buy in my name to stay. Applying for credit has be the most humiliating thing I've experienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On or around XXXX of XXXX someone opened an auto loan with Capitol One Auto Finance in my name. They also made payments on this loan. I tried disputing this loan when I saw the negative report ( approx. in the year of XXXX ). I have a detailed police report of the Identity Theft Incident Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting 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
Consumer complaint received 2022-01-15 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I wrote to Portfolio Recovery disputing a collection posted in my account and requested for more information, specifically validation on the debt. I sent the letter via certified mail ( XXXX tracking number XXXX XXXX XXXX XXXX XXXX ) and it was delivered on the XXXX of XX/XX/XXXX. In the letter, I also requested the company to Cease and Desist from reporting this debt to any Credit Reporting Agency as it was not validated. 

On XX/XX/XXXX, I received a letter back from Portfolio Recovery. In their letter, they acknowledged the dispute and noted that they concluded their investigation and that the information reported to the credit agencies was accurate. They also provided a summary showing an amount, alleged original creditor, account numbers and the last 4 digits of my social security number. 

On XX/XX/XXXX, I responded back to Portfolio Recovery, advising that they had still not provided any proper validation for the collection account in my Credit Report and that they were violating my rights as a consumer for not providing this information. They had also not deleted the account from my Credit Report and the language used on the letter had violated several consumer laws. This letter was sent via certified mail ( XXXX tracking number XXXX XXXX XXXX XXXX XXXX ) and a return receipt was also included. I never received a return receipt back. The tracking number showed my letter was delivered on XX/XX/XXXX. 
On XX/XX/XXXX and XX/XX/XXXX, I received similar letters to the ones they had sent to me prior, and they said the same thing. That they were denying any inaccuracies in the information furnished to the Credit Reporting Agencies and their investigation was complete. I never received any signed contract, and I never received any investigative report. So, I still dont understand how they concluded that the debt was valid and belonged to me. They also sent account statements showing consumer purchases. 
On XX/XX/XXXX I responded back to Portfolio Recovery and told them that I was still disputing the debt as no proper validation or signed contract had been furnished to me. In addition, I brought to their attention several consumer laws that they had violated and an amount that they owed me due to the violations. I sent the letter via certified mail ( XXXX tracking number XXXX XXXX XXXX XXXX XXXX ) and also included a return receipt. I have not received the return receipt but on checking the XXXX site, my letter was delivered to Portfolio on XX/XX/XXXX. 
As of today, XX/XX/XXXX, I have not heard back from Portfolio Recovery, and they are still reporting the collection account on my Credit Report. 
This account has not been validated properly and it should not be on my credit report. Please assist in getting a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: MD

Complaint narrative:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting 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
Consumer complaint received 2022-01-15 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: AES/PHEAA
State: PA

Complaint narrative:
I went to check my credit as I always do because Im in the middle of purchasing a home I am a first time home buyer. When I check my credit I found out that my credit score have been lowered by 72 points on all of the credit companies. I then reached out to the lender that I was working with and she explain to me how to handle it. I called the federal student loan company to tell what had happened he informed me that the federal student loan has a right to close my account and transfer it to someone else. I told him I understood that however the Fed student loan company did note it in my credit report. Neither did they note that when they closed my account that my account was in good standings and it was of no fault of me as the consumer that my federal student loan account was closed. Nor did I have anything to do with it, as a matter of fact I did not even know until I went to pay my monthly payment and it was rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On or around XX/XX/21 I tried to use my card and found my account hand a zero balance I inquired with the bank and found out the {$40000.00} dollars in my account had been transferred out of my account into a unknown saving account.I didnt make this transaction or have a savings account I tried to submit a claim with Bank of America under claim number XXXX I spoke with XXXX at Bank of America and she said XXXX admit someone had recently added or updated your security questions and it was not you they said since then they have updated their security for your account and advised you to log on to online website and use the forgot user name and forgot password method so you can see a different user name has been previously added to your 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 2022-01-15 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXXhas NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: MD

Complaint narrative:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on 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 2022-01-15 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: GA

Complaint narrative:
I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This is causing XXXX XXXX, Defamation of character and also I can't even attain a job. During this crises I can't even obtain a sba loan for my company as well as a place to buy in my name to stay. Applying for credit has be the most humiliating thing I've experienced.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-15 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: MD

Complaint narrative:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: LEXISNEXIS
State: MD

Complaint narrative:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Mercedes Benz Financial Services
State: OH

Complaint narrative:
Ive tried to get this off my credit for months on a repossession of a XXXX XXXX XXXX XXXX XXXX I didnt have that on my credit score and it was saying I owe XXXX towards the repossessed car

Company response to consumer: Closed with explanation