vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: WI

Complaint narrative:
I had filed a compliant against LexisNexis with the CFPB and due to the company responding my case was closed. The problem still exist and has not been resolved in any way shape or form. I have absolutely no interest in communicating with LexisNexis since they are the offending party to the crime committed against me in the form of identity theft and the egregious violation of my right to privacy. They have no right or authorization to have in there possession my social security and drivers license number, which is a direct violation of my right to privacy. I have uploaded the evidence in the form of documentation that the judgement is fraudulent, since there was a third party involved in the legal action I had to obtain the documentation via legal action to prove the financial harm done to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
COLLECTION COMPANY REPORTING ID FRAUD ACCOUNT AND VIOLATED MEDICAL PRIVACY ACT " HIPAA '' ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
COLLECTION COMPANY REPORTING ID FRAUD ACCOUNT AND VIOLATED MEDICAL PRIVACY ACT " HIPAA '' ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: CA

Complaint narrative:
XXXX  ; XXXX and Transunion are failing to show the following accounts are in fact In Dispute. XXXX XXXX partial account number XXXX ; XXXX XXXX partial account number XXXX. XXXX  and XXXX  are failing to show the following accounts In Dispute. XXXX XXXX partial account number XXXX ; XXXX ; XXXX and XXXX. XXXX is failing to report the following accounts are In Dispute. XXXX XXXX partial account number **** XXXX and XXXX. I have sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are In dispute.

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 2020-09-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX  ; Experian and XXXX  are failing to show the following accounts are in fact In Dispute. XXXX XXXX partial account number XXXX ; XXXX XXXX  partial account number XXXX. XXXX  and Experian are failing to show the following accounts In Dispute. XXXX XXXX partial account number XXXX ; XXXX ; XXXX and XXXX. XXXX  is failing to report the following accounts are In Dispute. XXXX XXXX partial account number **** XXXX and XXXX. I have sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are In dispute.

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 2020-09-17 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: FL

Complaint narrative:
I continuously contacted the credit bureaus and the company XXXX XXXX XXXX showing them my identification and proof of my residence. That the debt is not valid and it has not been removed from the credit report. The collection company has my identification from two states XXXX, XXXX and XXXX XXXX   showing them where I reside and continue to reside. The debt is not valid. It needs to be removed from my credit report since it impedes me from getting home loan.

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 2020-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
i had this capitol one credit card account open since XX/XX/2020 and ive been making payments on time with no problems and never been late and i always paid my credit card bill in full and once never granted a credit line increase at all and i keep getting denied and my credit is not bad with other credit cards and i dont have any late payments on any credit cards and im in the middle of the process of removing some fraudulent inquires off my equifax report my credit limit is still at {$300.00} limit still and yet i haven't granted a {$500.00} limit from this company at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
XX/XX/2020 credit acceptance finance stating I owe XXXX. It should not be this amount due to my car was paid off in a car accident in a finance company is still trying to charge me the interest rate for the next several years. Because it paid off before the years the contract ended.I should not be charged the interest rate.

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 2020-09-17 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: EQUIFAX, INC.
State: MN

Complaint narrative:
Ive carefully reviewed your correspondence and want to let you know my response. 


The reason I asked you to supply a copy of the check or online payment is due to the fact that you stated in your correspondence dated XXXX XXXX that a payment of {$100.00} was received on XXXX XXXX but however you tell Equifax and XXXX that you received payment on XX/XX/18 how is this so.? Therefore I will need whatever payment method that you received on the XXXX. 
In your last paragraph in your letter and I do want you to review your response Word for Word as to why XXXX XXXX XXXX  does not determine the reporting timeframe you are the burnisher arent you? What a bunch of XXXX. That is exactly why XXXX removed it from there report and I suggest you remove it from XXXX and XXXX and XXXX XXXX XXXX you will respond to this complaint or else Sustain legal action youre reporting is reckless dangerous and incorrect I demand you to remove it XXXX you need to remove it XXXX you need to remove it because youre a violation of the FCRA I request a update credit report with the deletion nothing else! 3 XXXX bureaus reporting different information from one XXXX of a credit how the XXXX this happens??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: MN

Complaint narrative:
Ive carefully reviewed your correspondence and want to let you know my response. 


The reason I asked you to supply a copy of the check or online payment is due to the fact that you stated in your correspondence dated XXXX XXXX that a payment of {$100.00} was received on XXXX XXXX but however you tell XXXX and Experian that you received payment on XX/XX/18 how is this so.? Therefore I will need whatever payment method that you received on the XXXX. 
In your last paragraph in your letter and I do want you to review your response Word for Word as to why XXXX XXXX XXXX does not determine the reporting timeframe you are the burnisher arent you? What a bunch of XXXX. That is exactly why XXXX removed it from there report and I suggest you remove it from XXXX and XXXX and XXXX XXXX XXXX you will respond to this complaint or else Sustain legal action youre reporting is reckless dangerous and incorrect I demand you to remove it XXXX you need to remove it XXXX you need to remove it because youre a violation of the FCRA I request a update credit report with the deletion nothing else! 3 XXXX bureaus reporting different information from XXXX XXXX of a credit how the XXXX this happens??

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 2020-09-17 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Meade Recovery Services, LLC
State: UT

Complaint narrative:
I have called once a day at different times to see if they answer EVERY MONTH AND NO ANSWER I have tried to reach them over and over to find out how much I owe. Because I only have one last statement from XXXX. That just shows even by leaving voicemails they dont return my calls EACH MONTH. Even their website doesnt let me see how much I owe. Their website only asks how much we want to pay. I had to call the doctors office so the secretary could contact Cooperative Solutions.  I dont want to give them more than I owe and have them not return the left over money because of their lack of communication. Obviously they take the money but dont communicate with their debtors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mid-South Adjustment Co., Inc.
State: AR

Complaint narrative:
the debt was a medical debt that occured on XX/XX/XXXX XXXX. the amount was for {$67.00} cents. i did not know that i had to pay this because i thought the V.A would cover the bill that`s the reason i did not pay it. it was on XX/XX/2020 the bill was turn over to collections the collection company names mid-south adjustments com on XX/XX/2020. 
I called mid south co to say i wanted to pay the bill in full would they take the collection off my credit report? the person said no then i asked to speak with a supervisor with authorty to remove collection off my report. I talk with them they said no they could not remove the collection off my credit report. they could only say paid in full but not remove. I then called the office ( XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX that the bill originated from and talked to a supervisor with authorty to removed the collection also told them i would pay them directly at their office if they could removed the collection from my credit report they also said no. i told them i wanted to pay the debt in full {$67.00} cents if they could please remove it from my report. VETERANS ADMIN IS WHO I THOUGHT WAS SUPPOSE TO PAY THE BILL.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: IL

Complaint narrative:
The credit bureaus continue to report inaccurate information after their investigation. Im attaching all supporting documentation with all information so they can stop illegally reporting those inaccurate accounts on my credit reports.

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 2020-09-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-09-17 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: WI

Complaint narrative:
The credit bureaus continue to report inaccurate items on my credit report after their investigation. Im attaching supporting documentation with all the information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: FL

Complaint narrative:
I continuously contacted the credit bureaus and the company XXXX XXXX XXXX showing them my identification and proof of my residence. That the debt is not valid and it has not been removed from the credit report. The collection company has my identification from two states XXXX, XXXX  and XXXX XXXX  showing them where I reside and continue to reside. The debt is not valid. It needs to be removed from my credit report since it impedes me from getting home loan.

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 2020-09-17 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: FL

Complaint narrative:
I continuously contacted the credit bureaus and the company XXXX XXXX XXXX showing them my identification and proof of my residence. That the debt is not valid and it has not been removed from the credit report. The collection company has my identification from two states XXXX, XXXX  and XXXX XXXX  showing them where I reside and continue to reside. The debt is not valid. It needs to be removed from my credit report since it impedes me from getting home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I'm writing you because I have been scammed by the realtor, inspector, lawyer, on a property that was to be move in ready. Roof leaks, molded, electric issues, no running water in winter months, furnace is broken. There was an escrow account set no account where did the money go? This a hud loan. The lawyer is refusing to help us. Need help can not fix and pay for the house. Please

Company response to consumer: Closed with explanation