vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MA

Complaint narrative:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Notice, it is a fact that I XXXX XXXX, is aware, upon discovery Equifax in accordance under 15 US Code 6827 ( 4 ) ( A ) and ( B ), must provide a notice of negative information in writing to I, the consumer no later than 30 days after furnishing the negative information. I, affiant, XXXX XXXX did not receive such notice and thus Equifax is in violation of 15 US Code 1681s 2 ( 7 ) ( A ) ( i ) and the information associated with XXXX XXXX XXXX  and XXXX XXXX XXXX must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX  XX/XX/2021

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 2021-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX, I purchased a ring for {$1600.00}. Later that day we found out it was a fake ring. I immediately reached out to USAA to see how I should proceed. They informed they would stop the payment to the merchant. Instead they preauthorized the charge to make sure it had no issue going through. 

I then file a dispute after the charge clears, do not hear back for a month, then get a laundry list of demands from USAA, including an appraisal. Which turns out to be an extremely difficult thing to get in rural NC. They then close the dispute 9 days later saying I took too long. 

I reach out again, they claim to reopen the dispute, we get all items submitted other than the appraisal. I later find out, all items were just added to the notes, was never submitted as documents, and the dispute was never reopened. 

At this point we have paid for an appraisal, submitted it, and USAA will not reach back out, or tell me anything of whats going on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Credit Karma, LLC
State: IL

Complaint narrative:
So basically I want to sign up for the online bank account or to see if I qualify for the prepaid Credit Karma card. 

The issue is I no longer have the email XXXX associated with the account. I was unable to contact Credit Karma on their website for some odd reasons to get help with updating my email with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
on XXXX i paid XXXX to XXXX for an item that isn't even sent... it's been 15 days and nothing yet this company when I called and when trying to dispute it on the website says wait, no I won't. I bought from XXXX AFTER that date and got things so they messed up. I want the credit. The tracking number I provided shows that it never was delivered ie, Tracking Number XXXX XXXX is what they claim the carrier is XXXX, XXXX. 

Account ... XXXX {$5.00} ON STATEMENT AS XXXX, XXXX. 
MERCHANT LOCATION XXXX CA XXXX TRANSACTION DATE Tuesday, XX/XX/2021 POST DATE XXXX  XX/XX/2021 PURCHASED BY XXXX XXXX MERCHANT CATEGORY PHOTOGRAPHIC STUDIOS

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 monetary relief
Consumer complaint received 2021-11-17 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
All three agencies are tortiously interfering with my financial matters. 

I have requested corrections via CFPB and directly to XXXX ; XXXX and TransUnion.. All three refuse to send me hard copies of my reports, and XXXX access to them. 

Further, there are significant life safety issues which have been over proven to all three, that they refuse to comply with, leaving me at high risk of serious injury or death. 

Additionally, they all refuse to Add legittimate credit Records, and bluntly admit that their business model is for the benefit of " Member Credit lendors '' and not consumers '' I am absolutely furious. 

Even just this morning, I received an email from XXXX advising that a dispute was ready to View, but when I logged in to their link, they refuse to give me access and demand the very same ID documenti I have sent them no less than Four times. 

Your lack of authority over them and their coky defiance is infuriating. 

I demand the above be rectified immediately and punitive action to be taken. I am spending similar communications to the FTC ; DOJ and AG XXXX XXXX Office directly.

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 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
All three agencies are tortiously interfering with my financial matters. 

I have requested corrections via CFPB and directly to Equifax ; XXXX and XXXX All three refuse to send me hard copies of my reports, and XXXX access to them. 

Further, there are significant life safety issues which have been over proven to all three, that they refuse to comply with, leaving me at high risk of serious injury or death. 

Additionally, they all refuse to Add legittimate credit Records, and bluntly admit that their business model is for the benefit of " Member Credit lendors '' and not consumers '' I am absolutely furious. 

Even just this morning, I received an email from XXXX advising that a dispute was ready to View, but when I logged in to their link, they refuse to give me access and demand the very same ID documenti I have sent them no less than Four times.

Your lack of authority over them and their coky defiance is infuriating. 

I demand the above be rectified immediately and punitive action to be taken. I am spending similar communications to the FTC ; DOJ and AG XXXX XXXX XXXX directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: IN

Complaint narrative:
When logging into XXXX, it consistently shows that my account has not been updated since XX/XX/2020. 
Additionally, I have been trying to dispute inaccuracies with XXXX XXXX XXXX account. This account was closed, however, it is showing as written off. Due to the circumstances and the fact that it is included in a pending lawsuit, I asked if it could be removed. The account has been settled and paid in full. 
This information was also confirmed to me by the lender directly. However, I am not seeing any updated remarks on 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 2021-11-17 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: MA

Complaint narrative:
transunion was supplied with legal docs to fix the false reporting that i owed XXXX XXXX XXXX dollarson excise tax for XXXX on a car i returned to them in XXXX thus canceling the lease after the mass attorney generals help they have reported the correct info thus the other credit reportind co. have fixed my report and my fico score is back to XXXX excellant but not transunion just tried to help my daughter get a lease and vantage score is still XXXX fix it back to XXXX like it was before all the 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 2021-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: WA

Complaint narrative:
I purchased a XXXX XXXX XXXX from XXXX of XXXX on XX/XX/XXXX for the sale price of {$18000.00} I put {$3000.00} for a down payment and financed {$17000.00} through Global Lending Services. This would make my monthly payments roughly {$500.00}, to which I agreed to pay. According to their records I missed my payment for XXXX. I put {$3000.00} down which would have been my payment. They also show that I missed my payment in XXXX, this too is incorrect. COVID-19 hit the US in XXXX and I lost my job, I reached out to them and received a 1 month exception that allowed me to miss the payment and it would be added to the end of my loan. I made the next few payments but then after being out of work for a prolonged period of time I began to struggle financially. When XXXX came I was behind 2 payments, or {$1000.00}. On XXXX XXXX I was t-boned by someone who ran a stop sign. I had my car towed to a body shop to get an estimate on repairs. A few days later the insurance company would take possession of the XXXX and deem it a total loss. While the investigation into the crash was ongoing, I made my XXXX payment as scheduled. After the investigation was concluded Global Lending Services was issued at check for {$14000.00} on XX/XX/XXXX by XXXX XXXX XXXX. Assuming they received the check a few days later in XXXX wouldn't that count as a payment? Also I didn't have the car I shouldn't have to pay for something I don't have, right? GLS continued to hold me responsible for the XXXX until they wrote off the account in XXXX. Because of this my XXXX insurance only paid {$370.00}. I still don't know why the account was closed so quickly without getting the chance to pay it off. I'm not disputing that I owe for those missed payments but they are saying I owe {$3800.00}, which is more than double what I think it should be. I have written them trying to get some explanation and all they did was send me a copy of my payment schedule that shows I missed XXXX and XXXX. But like I said I didn't have the car and they were issued a check for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous account reporting on my Credit Report and need to update from reporting. 
XXXX***-Balance {$550.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
transworld systems has lied orally and in writing that they do not own the debt that they are trying to collect the original creditor an apt . sold the debt transworld has lied over and over that they represent the apts and do not own accfount have letter from them thayt says the apt is creditor lie credit reports show they own account cant move turned down from 3 apts because of this we are in our 70s and held hostage

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
I have written to XXXX XXXX, XXXX, and XXXX on several occasions disputing inconsistencies regarding wrong name variations, addresses, social security numbers, phone numbers and erroneous accounts. The credit bureaus continue to state that they have verified the debt and items have been deleted/removed. Let this be a formal complaint against XXXX and XXXX. The following accounts are the items the credit bureau has refused to investigate, delete, and remove : NATIONAL CREDIT ADJUSTERS , LLC : XXXX AND # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX. In addition, XXXX is reporting XXXX XXXX XXXXXXXX XXXX # XXXX and XXXX XXXX # XXXX AND XXXX AND XXXX are not reporting the same account information. Why is all the provided data different on each credit report? According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The Fair Debt Collection Act/ ( O.R.C. 2305.07 ) and ( O.R.C. 1303.16 ( B ) Ohio Debt Collection Statutes of Limitation. If the account can not be verified, your company must delete the account from my credit report. Please be reminded it is your duty to ensure that all information reported is consistent and most importantly, accurate and you have failed to do so per the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: VA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: IN

Complaint narrative:
When logging into myEquifax, it consistently shows that my account has not been updated since XX/XX/2020. 
Additionally, I have been trying to dispute inaccuracies with XXXX XXXX XXXX account. This account was closed, however, it is showing as written off. Due to the circumstances and the fact that it is included in a pending lawsuit, I asked if it could be removed. The account has been settled and paid in full. 
This information was also confirmed to me by the lender directly. However, I am not seeing any updated remarks on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has refused to answer my letter requesting an investigation into two separate accounts by XXXX XXXX that were opened by some other person. Possibly a relative, but I am not sure. I have asked they produce the original documents containing my signature from XXXX. They have ignored all my requests. I have filed an ID theft report and they ignored that as well. They are willfully violating Federal Law. They must provide the original documentation or remove this. Neither are mine. 
These accounts are : XXXX XXXX XXXX - Closed Account Info XXXX  over labels for more details Account number XXXX AND : XXXX XXXX XXXX - Closed Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/2013 Account type Auto Lease

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 2021-11-17 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: WV

Complaint narrative:
This is my 5th request for my full file disclosure from Clarity and is a follow up to complaint number XXXX. 

Is Clarity FCRA compliant? They advertise they are! 

Their website states : " Claritys suite of FCRA-regulated reports ... '' Clarity states XX/XX/2021 they sent my disclosure. This is a complete and total fabrication of the truth. They did send a security freeze request, an incomplete Experian credit report and background data letter. 

All are attached. 

So this is my 5th request. It sure appears there is an issue? What are they hiding?? Does Clarity have a compliance problem? Does the FTC know they advertise as " FCRA regulated '' but won't send a simple full file disclosure???

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 2021-11-17 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: Dynamic Recovery Solutions, LLC
State: VA

Complaint narrative:
The balance keeps getting sold and reopened as a fresh account the account is so old that regardless to anything the information shouldnt even be on my credit report. The origination date keeps getting reaged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
I have not received any information from this company to verify that the information is accurate no account info dates or anything. I wasnt aware my info was sold to someone else

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am very upset with this issue. I sent a letter to the CREDITORS regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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