vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliver Adjustment Co.
State: IL

Complaint narrative:
OAC has failed to validate an alleged debt after submitting a written affidavit requesting validation via certified mail. They have infringed on my private information as well as my infants private information including medical record number and date of a major XXXX. This is a major XXXX violation because I have never done business with OAC yet they have attached a false medical debt to my consumer reports defaming my reputation, name and brand. I have never signed a contract with this corporation & have no idea how they gained access to our personal private medical information. They have committed identity theft according to federal law and have given me XXXX XXXX XXXX XXXX  due to their illegal tactics. My request has gone ignored for a month now & I am enforcing the law. A final notice of default has been sent to the company via certified mail. Complaint is also being forwarded to HHS.gov.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: MA

Complaint narrative:
On XX/XX/XXXX I send a dispute to Equifax about the following account XXXX XXXX XXXX XXXX  ( Opened : XXXX. XXXX, XXXX, Credit limit {$750.00} ) that was open by someone that stole my identity. 
With the dispute I also send Equifax an Identity Theft Affidavit. I have done my research and I know that Federal law as is stated on the FCRA, sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), obligate the credit bureaus to delete the fraudulent information in my credit file within 4 days upon receipt of the correspondence. It's been over 30 days and the fraudulent account stills there, and that is preventing me from getting necessary financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts 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 explanation
Consumer complaint received 2021-12-20 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: 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 Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit 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 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 explanation
Consumer complaint received 2021-12-20 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: MA

Complaint narrative:
On XX/XX/XXXX I send a dispute to Experian about the following account XXXX XXXX XXXX XXXX ( Opened : XXXX. XXXX, XXXX, Credit limit {$750.00} ) that was open by someone that stole my identity. With the dispute I also send Experian an Identity Theft Affidavit. I have done my research and I know that Federal law as is stated on the FCRA, sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), obligate the credit bureaus to delete the fraudulent information in my credit file within 4 days upon receipt of the correspondence. It's been over 30 days and the fraudulent account stills there, and that is preventing me from getting necessary financing

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 2021-12-20 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/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit 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

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 2021-12-20 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 2021-12-20 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: TX

Complaint narrative:
Someone has taken complete control of my identity.I have been getting notification that the same companies keep sending credit bureaus request for my credit report .I have not applied to any of the companies that is on this report and not sure who has my personal information and how there able to use it at free will.I have been trying to contact the credit bureaus by phone trying to explain this issue but as of today they have not been able to resolve the issue ..Please Please help me take back my life this has truly been a nightmare

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: NC

Complaint narrative:
Aldous & Associates , PLLC XXXX XXXX XXXX System XXXX XXXX XXXX XXXX, Suite XXXX, Washington XXXX District of Columbia, XXXX To : The Office of Registered Agent for Aldous & Associates , PLLC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats More, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, Please provide me with a copy of all the following : An explanation of what this alleged account is for. 
A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation that shows I agreed to pay this debt with my signature. 
The agreement that grants you the authority to collect on this alleged debt. 
A copy of your state license, including license number that give you rights to collect in my state. 

You will forthwith and return transmit your written evidences of your delegated authority to represent '' that you and XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 
Aldous & Associates , PLLC, Inc. has invaded my individual privacy under 15 U.SA 1692 A. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair Practices By : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: NC

Complaint narrative:
I was approved for NC unemployment back in XXXX. I had it to where the money would go to the nc XXXX debit card with bank of america. I never recieved the card, I called several times in regards to where my card was located. All i was told was that it was mailed to me. Turns out either it never made it to my mailbox or someone stole it. Now my entire unemployment funds have been used. I called bank of america to report it, I submitted docutments to show that during a duration of the time i wasnt even in the same state that the card was being used in. Bank of america instantly denied my claim. told me i had five days to turn in doucments, they never mailed me any letters in regards to who and where i had to send these documents to. I had to call and have a repersentive give me the fax number. I orginally filed my claim for fraud on XX/XX/XXXX and three days later I was told that it was denied. I asked to have it reopened sent over the nessecary docutmentions, one day later they denied my claim. I feel as if they instanlty denied my claim without actually doing any investagating. Now im out of close to thirty thosands dollars and XXXX  with XXXX kids.

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 2021-12-20 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: Experian Information Solutions 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 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 2021-12-20 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: 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 Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit 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

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 2021-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
National Credit Systems , Inc . 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, TX, XXXX, XXXX To XXXX The Office of Registered Agent for National Credit Systems , Inc . 

From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats More, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, Please provide me with a copy of all the following : An explanation of what this alleged account is for. 
A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation that shows I agreed to pay this debt with my signature. 
The agreement that grants you the authority to collect on this alleged debt. 
A copy of your state license, including license number that give you rights to collect in my state. 

You will forthwith and return transmit your written evidences of your delegated authority to represent '' that you and XXXX XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX passing XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 
National Credit Systems , Inc., has invaded my individual privacy under 15 U.SA 1692 A. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair Practices By : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: NC

Complaint narrative:
ALDOUS & ASSOCIATES # 1, LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, UT XXXX To : The Office of Registered Agent for Aldous & Associates # 1, LLC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats More, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, Please provide me with a copy of all the following : An explanation of what this alleged account is for. 
A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation that shows I agreed to pay this debt with my signature. 
The agreement that grants you the authority to collect on this alleged debt. 
A copy of your state license, including license number that give you rights to collect in my state. 

You will forthwith and return transmit your written evidences of your delegated authority to represent '' that you and XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 
Aldous & Associates # 1, LLC, has invaded my individual privacy under 15 U.SA 1692 A. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair Practices By : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit 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 ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX 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 2021-12-20 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: NC

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 2021-12-20 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
USAA is still reporting an open personal loan with and $ XXXX balance that was paid off over 90 days ago. This is affecting my Debt to income when Im trying to buy a new home. Ive tried to resolve this with USAA and their representatives are completely incompetent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was refused my forbearance request for an extension of forbearance due to Covid related hardship currently in place until XX/XX/2021. ( See attached ) On or around XX/XX/2021, I was contacted by Chase that there are payments due on mortgage loan as I and my family were severely affected by coronavirus with emergency hospitalisations. On or around XX/XX/2021, I contacted all creditors/debt collectors seeking their payments including Chase and requested a Covid related forbearance. Chase granted my request on XX/XX/2021. 

I have requested an extension with my last request made and approved on XX/XX/2021 for the forbearance to be extended to XX/XX/2021. 

Despite of my numerous requests to extend the forbearance due to my Covid related hardship, I was refused further extensions and continuously transferred to incompetent agents abroad ( Presumably XXXX ) who repeatedly told me that they can not assist me. 

I am entitled up to 18 months of Covid hardship forbearance in accordance with the XXXX regulations. Yet, all my requests to extend the forbearance and discuss available options were purposefully ignored by Chase. 

I am respectfully seeking your intervention in obtaining additional 3 months Covid related forbearance to be provided by Chase in addition to your kind review of Chase current policies so that they would not ignore valid Covid related requests from XXXX XXXX like myself and would timely assist with any and all ( including forbearance ) Covid related hardships.

Company response to consumer: Closed with explanation