vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-03 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I applied for a credit line increase or loan to pay down an existing credit line at a lower interest rate on XX/XX/2020 and was denied both because in my XXXX credit report, Navient had reported the periods of pandemic relief as delinquency. I contacted my XXXX XXXX account services by phone and was told this was the reason I wasnt approved. The person I spoke to was ignorant about pandemic relief for student loans through President Trumps Executive Order. I told them that adversely impacting credit scores during the pandemic was wrong. 

Navient has a history of wrong doing and has continued to harass people with student loans during the pandemic. Navient was sued by CA, Washington and Illinois for pilfering and bamboozling XXXX XXXX dollars on excessive interest fees and late charges from people with student loans. Ive been getting harassing phone calls since mid XXXX from them because they dont recognize Trumps executive order as lawful. I cant change what Navient reports to XXXX through XXXX and have complained to XXXX through customer surveys after requesting my credit report from them. Ive received text SMS messages from non listed phone numbers that are telling me my credit has been approved or increased after complaining to XXXX ( an illegitimate attempt to imply my credit report has been fixed ). Navient is approved by the IRS as a fiduciary but I dont believe theyre acting like one. Theyre acting more like a predatory lender of student loans and now its impacting my credit report/score so I cant have more of a financial cushion during the pandemic. How can I fix this issue when the people who have the reports, like XXXX, wont recognize the lender as a non fiduciary impacting peoples credit scores? My own bank says that they dont have anyone that can override XXXX reports on the decision to increase credit or give a low interest loan to pay off credit. I think this is totally unfair, illegal on Navients part and detrimental to peoples financial well being during difficult financial times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: AR

Complaint narrative:
the account is not mine i filed a complaint with the federal trade commission as well

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: AR

Complaint narrative:
the account is not mine i filed a complaint with the federal trade commission as well

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: AR

Complaint narrative:
the account is not mine i filed a complaint with the federal trade commission as well

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I disputed an account on my credit report due to wrong information. The company wrote me a letter back saying that the account will be deleted off of my credit report. It has been over 30 days and it is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: GA

Complaint narrative:
TransUnin LLC, XXXX XXXX, Violates my given Rights in reports, an refused to remove, Reinvestigate a dispute Request about Entire Public Records Section, displaying BOGOS Unverified Bankruptcies, Incorrect reporting. Dates, case numbers, amounts, and court info is wrong. Asked for Method Of Verification, They did not give me how/ who furnished the information. MY right under Section 609 states I have a right to know provided information, they told me I dont have that Right and its not a Law. ALL Public Records Items Were Not 100 % Verified with the actual Data Furnisher- the Courts, in which i provided documentation from the Courts is included. This is Defamation of Character and also violated/ continues to Violate my Rights under FCRA and FTC , CFPB which they choose to Buy & purchase inaccurate information that Was Not Completely Verified. I ASKED AND BY law to Remove said information in Public Records Section concerning Bogos wrong inaccurate Bankruptcy cases. Documentation provided from which they told me they Verified with below XXXX website and letter states XXXX  XXXX, no bankruptcies are on my XXXX XXXX, Transunion said Court Clerks themselves, Court furnished me letters & said They Don't Verify with CRAs and its online. Well online is full of Fraud and Bogo information and victim of Identity theft already, keep using inaccurate unverified online platforms or a 3rd party to gather is in Direct Violation of my Rights and Breaking the Law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Upon discovering I was again a victim of identity theft I took the required legal steps to have these fraudulent accounts removed. As per FCRA 605b the accounts in question were removed although not in the required time frame of 4 days which already placed the credit bureau in violation of federal law. That said, I was okay with the extended time frame however several accounts were reinserted in violation of the FCRA. The FCRA 605b is crystal clear as to when an account can be reinserted and non of the three standards set forth in section ( c ) ( 1 ) ( a ) ( b ) ( c ) apply or are being adhered to. Instead, the credit reporting agencies ( XX/XX/XXXX and Experian ) reinserted these tradelines based on the original creditors request to reinsert with absolutely zero evidence these accounts are valid. The accounts in question are XXXX, XXXX XXXX and XXXX, all were included in my identity theft report and are to be blocked permanently within 4 days of that being submitted. There are legal standards by which these can be reinserted however non apply to this case and their reinsertion is a violation of my rights under FCRA 605b. I intend to file a lawsuit in small claims court as this has harmed me and my family financially and has taken hours of my time every single day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have received 3 letters from Resurgent Capital Services alleging I owe {$530.00}.

the last letter sent to me came with a a billing statement dated XX/XX/2013 in the amount of {$120.00} ...

I sent 3 letters to Resurgent stating, I dispute owing any debt to their company and asking for valid proof of debt. All letter were sent Certified Return Mail. 

The letters being sent are harassment as I have to answer each letter and pay to show the letters were received the company and on what date. 

i want the letters of harassment to stop. 

please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: NJ

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: FL

Complaint narrative:
I have resorted to submitting this complaint because the bureaus have been ignoring my disputes and I have not known the status of them. So the bureaus have 30 days to respond and I have been submitting disputes since XX/XX/XXXX without any response from the bureaus. I hope you can help me resolve this situation with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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:
I have resorted to submitting this complaint because the bureaus have been ignoring my disputes and I have not known the status of them. So the bureaus have 30 days to respond and I have been submitting disputes since XX/XX/XXXX without any response from the bureaus. I hope you can help me resolve this situation with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am seeking the deletion or modification of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( Experian, XXXX and XXXX  ) on XX/XX/2020 ( via USPS certified mail ) seeking re-investigation of disputed information as set forth and defined by 15 U.S.C. 1681 ( 1 ). In particular, 1681 ( i ) ( a ) ( 1 ) ( a ) required that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute.

I had requested a reasonable reinvestigation as required by law ; I had requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been 4 months now and I have not received any responses to my requests.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: MS

Complaint narrative:
I payed of my car loan with XXXX XXXX on XXXX XX/XX/2020. I have called XXXX XXXX only to be hung up on three time. After I talk to a phone agent. I her about have issues with XXXX XXXX not reporting to credit bureau twice in the pass. I got a call today XX/XX/2020 and explained that I payed of this account and Im buying a new car. I ask if they would please report account pay. Well she told due to covic it will take some time. I explained this problem had been on going since I purchased the car. I need XXXX wto report my account pay. ASAP!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: NJ

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: NJ

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Clark County Collection Service
State: NV

Complaint narrative:
I have never done any business with CC collection services. I do not owe any debt. This account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Durham & Durham, LLP
State: GA

Complaint narrative:
I am disputing the validity of this debt/ bill. I have XXXX XXXX XXXX military ) and have had it since XX/XX/2009 which is 11 years. I contacted XXXX to inquire about this bill and I was advised that the claim was never submitted to XXXX for payment. I was advised to call XXXX XXXX XXXX and have them submit the bill for payment and the rep at XXXX advised they would not submit the bill because the claim was old even though XXXX advised to resubmit. Instead, the rep offered me a settlement of the bill in which I declined because my insurance should pick up the bill. Someone dropped the ball at the hospital in which I should not be at fault.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am seeking the deletion or modification of erroneous and inaccurate information contained in my credit file. I submitted a formal request to all 3 credit bureaus ( Experian, XXXX  and XXXX  ) on XX/XX/2020 ( via USPS certified mail ) seeking re-investigation of disputed information as set forth and defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) required that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. 
I had requested a reasonable reinvestigation as required by law ; I had requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been 4 months now and I have not received any responses from Experian and XXXX  to my requests. I did receive a response from XXXX but not all of my issues were fixed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
I applied for forbearance on 4 mortgages I have with the same servicing company and was approved for the months of XXXX, XXXX, XXXX XXXX and XXXX. In XXXX I paid my balance in full on all four mortgages and resumed normal payment schedule. Mid XXXX they reported me 90 day late for XXXX, 120 days late for XXXX and 120 days late for XXXX. I disputed with the credit bureaus and company. On XX/XX/XXXX I finally received a call stating they found their system error and had reported back to the credit reporting agencies and the is would be resolved in 2 weeks. In deed by mid XXXX the credit reporting was correct. on XX/XX/XXXX they reported me late again on only one account this time. I showed up on my credit report on XXXX. I called the company contact and sent emails, but have not heard anything back. I have also filed disputes with the credit bureaus again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: AZ

Complaint narrative:
I am a victim of identity theft. I applied for a credit card at XXXX  XXXX XXXX on XX/XX/XXXX and was rejected because of three negative accounts ; XXXX  XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX  XXXX opened on XX/XX/XXXX, but they do not belong to me and I never approved anyone to open them under my personal information. My personal belongings were stolen from my house on XX/XX/XXXX which included my Driver 's license and Social Security card amongst other personal items. I filed a report with CFPB already along with a police report with the XXXX Police Department and its an ongoing investigations, no arrest have been made yet. I need these accounts removed from my credit report as soon as possible because I am interviewing for a job and Satisfactory Credit history is needed. I never received any goods, money or services from these accounts. I also never authorize any bank to check my credit much less add accounts to it. My identity was stolen and I already contacted all the banks/accounts subject in this Identity Theft. All statements are true and correct without any omission of facts, to the best of my knowledge Please attach the follow documents to my dispute request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: AZ

Complaint narrative:
I am a victim of identity theft. I applied for a credit card at XXXX  XXXX XXXX on XX/XX/XXXX and was rejected because of three negative accounts ; XXXX  XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX  XXXX opened on XX/XX/XXXX, but they do not belong to me and I never approved anyone to open them under my personal information. My personal belongings were stolen from my house on XX/XX/XXXX which included my Driver 's license and Social Security card amongst other personal items. I filed a report with CFPB already along with a police report with the XXXX Police Department and its an ongoing investigations, no arrest have been made yet. I need these accounts removed from my credit report as soon as possible because I am interviewing for a job and Satisfactory Credit history is needed. I never received any goods, money or services from these accounts. I also never authorize any bank to check my credit much less add accounts to it. My identity was stolen and I already contacted all the banks/accounts subject in this Identity Theft. All statements are true and correct without any omission of facts, to the best of my knowledge Please attach the follow documents to my dispute request.

Company response to consumer: Closed with explanation