vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Per XXXX, XXXX, and TransUnion they will not delete old information unless this report is submitted. There is a ton of old information on all 3 reports which do not belong to me, and frankly, mispelled/incorrect. 

I would like all of the information I am requesting to be deleted immediately.

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 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Per Equifax, XXXX, and XXXX they will not delete old information unless this report is submitted. There is a ton of old information on all 3 reports which do not belong to me, and frankly, mispelled/incorrect. 

I would like all of the information I am requesting to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am a victim of identity theft. This account was opened up fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the inquiries referenced below and demanded verifiable proof bearing my electronic signature. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are not accurate since I never authorized them. The FCRA requires Credit bureaus to follow up and investigate those inquiries in question and remove. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrence and remove immediately for non-compliance. Under the laws of the FCRA,XX/XX/XXXX is required by the FCRA to follow up with the creditor.

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 2020-12-16 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: NJ

Complaint narrative:
On XXXX, 2020, I pulled my credit report from XXXX and went over it and found out multiple accounts that were not mine, several years ago, I lost my personal documents, that could be a reason of why those unknown accounts were on my credit report. I have no other reason but to believe that I am a victim of Identity Theft, I am currently dealing with Identity Theft Issue with the credit bureaus since I found out, I am almost done, except that I recently review my updated credit report and found out that two of the accounts that are in my credit report don't belong to me, and it came back with a different collection this time, the collection name for the alleged debt with XXXX is XX/XX/XXXX XXXX, and so I ask to please stop further collection activities and remove the account from my EXPERIAN and XX/XX/XXXX credit report. Also XX/XX/XXXX I personally don't recognize this account, the account doesn't belong to me and this is reporting on the three credit bureaus. I've already tried to remove these accounts with them and they refuses to take them off.

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 2020-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
On XX/XX/XXXX I was served for payment on a credit card from XXXX the petitioner was midland funding scaring me into paying options I lost my job awhile afterwards and I could not make payments they were notified I have recently received a notice from the law firm XXXX XXXX XXXX from a XXXX XXXX XXXX saying my wages will be garnished for this debt from midland funding. I was never notified prior to this saying this was going back to court and never had the opportunity to appear to defend myself against this issue. I feel I am being harassed and in stressful situation. Im single woman my income is all I have to live. This is a 14 to 15 year old debt from the days of my divorce.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16 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:
On XX/XX/2020 I disputed these accounts with the credit bureaus. It has been over 60 days and the fraudulent accounts are still reporting on my credit reports. I thought the credit bureaus had 30 days to complete an investigation 611 ( a ) and if they don't that is automatic grounds for deletion. Clearly it has been over 30 days. I am stressed out about this and being a victim of the Equifax data breach just makes the situation worse because my information could have gotten in the hands of scammers. These accounts should be deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
On XXXX XXXX I sent Navy Federal an Affidavit of Truth pertaining to Federal Privacy violations I received on my credit card statement along with an invoice for {$5000.00} for the violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: TX

Complaint narrative:
We submitted an application for assistance to SN Servicing. The asset manager, XXXX XXXX is refusing to cooperate with our company to move the file forward for consideration of a workout.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: FL

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 credit score. 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 2020-12-16 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 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 credit score. 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 2020-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
I have already filed a complaint with them but they don't care. I have been mislead and given false information multiple times over the years with AES. I have now been paying them since 2007 as a consolidated federal student loan as much as i can afford, XXXX in interest at 7.25 %, yet my principal is more than it was when i started. I was told i was on a repayment plan ( by many of their reps ) working towards forgiveness in 25 years. I was also advised to take forbearance when i was laid off, not knowing that would also effect the number of years i had paid in. I was today told i was never on the correct plan for forgiveness. So that is 13 years of payments wasted. I will never pay off my loans before i die. They are deceitful and taking advantage of the public and deliberately trying to extend the life of the loan. Their business practices are simply illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, When I checked my report I found inquiries that I did not recognize absolutely. I did not give any companies any permission. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please remove them. 

Thank you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
On XX/XX/XXXX I checked my Po Box and there was a debit card in there from Citibank. I contacted them immediately to figure out what was going on. I told them I had never had any deals whatsoever with Citibank and most definitely never opened a checking account with them. When I called I found out that there was {$660.00} in the account. I was told that they had the account closed down and to contact the ID theft department but they were closed that day for the holiday but if they needed anything they would reach out to me. All I was told about the account is that it was opened online. And that they had been seeing a lot of fraud accounts where people were opening fake accounts and having the unemployment funds put into the account. They would not tell me where the funds came from. Today XX/XX/XXXX I again checked my Po Box and there were checks for the account. I called the ID Theft number they had given me and they were even more unhelpful then the first time I called. I have had to place a freeze on all three of my credit bureaus because of all of this. I have asked to file multiple complaints with no one seeming to take this seriously.

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 2020-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service Company, INC
State: CO

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I went to the emergency room for treatment. The billing went to the VA for payment. The VA didn't pay and I didn't have the funds to pay so the bill went to collection. 

Then on XX/XX/XXXX I received a letter from the VA that said the reason they didn't pay was a mistake and after a court case was filed and as a result the statute, 38 U.S.C. 1725, determined the VA was in error and so the VA said resubmit the claim. 

I've included a copy of this letter. When I contacted the hospital they said since the debt was so old they already wrote it off and sold the debt to the collection agency. 

After attempts to get the agency to remove the debt from my credit report they still haven't done anything to remove the debt ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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:
i have sent several letters to Equifax on how these accounts were verified. i asked what method was used to verify and who they spoke with or what information was shared to verify. i asked them also to provide me with legal and binding agreement or contract that bears my signature, that shows that the account truly belongs to me. in addition, the child support is a personal matter and should not be reporting as a payment owed to a creditor. if they are going to report that, then they need to provide proof as the other mentioned accounts. 

1. XXXX Account XXXX : XXXX 2. XXXXXX/XX/XXXX Account Number : XXXX 3. XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: TX

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 2020-12-16 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: TX

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 2020-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: NJ

Complaint narrative:
Mr. XXXX XXXX from BNY Mellon Investment management cashed my $ XXXX- Check from XXXX XXXX , with my deposit form on XX/XX/2020. But he refused to mail me my acct. Fund 's new detail Statement, and repeatedly to asking me to sign distribution request form with medallion signature guarantee. 

Despite he got my distribution form with my signature guaranteed by XXXX XXXX XXXX manager in 3 years ago, as to donate it to XXXX XXXX XXXX XXXX checking acct. at XXXX XXXX and XXXX XXXX indeed did it for 3 years already. 

Please ordered Mr. XXXX to mail me my acct Fund 's new detail statement at once, and stop to discriminated me as a multiple XXXX, elderly, XXXX, XXXX. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have already settled my account with synchrony bank. I settled with the amount paid of {$530.00} which was 50 %. This was paid and settled on XX/XX/20. Confirmation number XXXX. I asked to please remove this from debt collections and credit report. The debt collector XXXX XXXX XXXX is now coming after me for the same debt and it has been months since contacting to get it removed. They say they are waiting for synchrony bank to respond. They have been provided with the confirmation number and payment information but still have not removed the debt.

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 2020-12-16 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I spoke with a rep. of Macy 's Department Stores about resolving the error in reporting my payment to the credit bureaus and explained that it was not my fault that the balance of {$86.00} XXXX? ) was not paid on time. This balance was a Macy 's XXXXmerican Express Card account, which was offered to me by Macy 's because of my excellent record with their Store card. 
In the thick of the Coronavirus pandemic in XX/XX/2020 all stores were closed in the XXXX XXXX XXXX Metro area and so I could not go to any store to pay this balance. I called several Macy 's stores around to see if they had skeleton staff to receive payment by phone but no one picked up. I went online to see if I could pay but even Macy 's system did not work. I sent an email from their website to inform them that I could not pay because even their system was not cooperating. Macy 's sent me an email from their secure message box that they will send me an email when their response was available, see attached. They did not get back to me again and Macy 's stores were still closed until much later in XXXX XXXX. 

I received a statement in XXXX that I had a late balance and I quickly paid. Even the late fee was written because Macy 's stores were still closed in New York for months to come. I later received a letter in XXXX ( attached ) that I had been reported to the Credit Bureaus for paying more than 30 days late. I called and tried to explain to them what happened and that it was not my fault because coronavirus pandemic made all stores to be closed in XXXX XXXX Macy 's  website did not function properly and that I had a letter to prove it. They turned the telephone request down. 

On XX/XX/2020, I sent a registered letter to them attaching documents, viz., email letter from Macy 's (  attached ) and excepts from CARES Act 2020, and up till now I have not received a response. The last time I spoke with Macy 's, XX/XX/2020, I was told I will have an answer within a month but none has come. 

I had built my credit to an excellent level and had never had a late payment. And to have a late payment in the current coronavirus pandemic tarnish my image would be unfair particularly when it was not my fault since I had made attempts to pay within the payment period. Now I have taken a hit of more than 30-40 points in FICO. I would like their decision to be reversed.

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 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I notified Experian Credit Bureau regarding my closed account as of XX/XX/XXXX with XXXX XXXX XXXX. I have requested from Experian as per the Fair Credit Act the statue of limitation of 7 years has expired and as of today 's date my closed account is going over XXXX years.I advised Experian the recent report sent to me for XX/XX/XXXX clearly noted that the closed account with XXXX XXXX XXXX will continue on record 'UNTIL ' XX/XX/XXXX. 

I kindly request CFPB to investigate my complaint because Experian is not following the Fair Credit Act laws enacted by Congress. Respectfully, 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 2020-12-16 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: AZ

Complaint narrative:
I made my payment through XXXX XX/XX/XXXX. I was told that there would be an update to the credit bureaus. After I told them XXXX was not showing payment, I was told another credit agency had the account due to XXXX selling it. I have submitted the paid in full letter multiple times.

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 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, When I checked my report I found inquiries that I did not recognize absolutely. I did not give any companies any permission. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please remove them. 

Thank you in advance!

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