vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-08 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: DE

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United PanAm Financial Corp.
State: CA

Complaint narrative:
After reviewing my report, I see an unauthorized, inaccurate and invalid auto loan being reported onto my credit report. This account in not mine and was opened without my consent. According to the FCRA this is against federal laws. 

All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

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 2021-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Yes, so I have the Wells Fargo app on my phone I rarely check it my account only when I get paid which I get paid every two weeks. I had recently lost my debit card on Wednesday today is currently thurs. I have been looking for it thats why I didnt call my bank because I didnt want to change up all my information. But today I received an email saying my card was declined I check my email and it says that a withdrawl and deposit was made on my account of XXXX and a withdrawal declined for XXXX I live in XXXX XXXX so it really was gut wrenching when I seen XXXX XXXX. So I immediately called to switch out my card and all my info. I dont know what else they were able to get a hold of. What other information of mine.

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 2021-10-08 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: CA

Complaint narrative:
TransUnion is allowing a company by the name of XXXX XXXX XXXX XXXX to submit fraudulent scam fake time-barred accounts onto people 's credit reports so TransUnion allowed such mentioned company to put that I am in collections with them I don't even know the company XXXX XXXX no one can tell me who the original creditor is it a fake faults or time-barred debt that goes against the fair debt collection action practices

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 2021-10-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
In XXXX I was temporarily employed with the Census Bureau and qualified for Income Based payments. On several occasions my income base was XXXX. I worked odd jobs and never was able to pay my students consistently. Later in XXXX, I returned for another temporary position with the Census ( 10 months ). In XXXX, I returned to work for the Census Bureau. I was told I did not qualify for the forgiveness program because I was not a permanent employee ( excepted position ). I worked consistently with the Census and moved for positions and new roles. In XXXX, i qualified for the forgiveness program and submitted an application. Recently ( XX/XX/XXXX ), I recertified my employment as an employee of DOL. A challenge is the amount of the student loans are incorrect. When I was not able to pay and got consolidations and deferments a couple of the servicers double the loans instead of calculating the one loan they counted them two times. I have been trying to explain but no one understand this has been a problem with amounts and the interest is paid on the excessive amounts which makes my loan payments unaffordable. The Servicers : XXXX XXXX, Navient and another servicers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: CA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: TX

Complaint narrative:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX  Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
XXXX XXXX I mailed a certified dispute letter to PROFESSIONAL DEBT MEDIATION and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 100 complaints on XXXX they also have over 600 complaints with the CFPB Demand A DELETION REQUEST OF THE ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have been disputing with transunion for the last few months about an alleged bankruptcy. Transunion have been in violation of many consumer laws. According to the FCRA Transunion have violated 15 USC 1681e ( b ), 15 USC 1681a ( 4 ) and 15 USC 1681s ( 2 ) ( 3 ). According to the FCRA all information on my report should be 100 % accurate. The credit reporting agencies need as respect my privacy, I didn't give written consent to anyone to report a bankruptcy. Lastly I have disputed the validation of the bankruptcy but the notice has not been placed in the comment section

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 2021-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/21, I filed a complaint with the CFPB about a credit card dispute that Citi dropped the ball on. A few days later on XX/XX/21 around noon Pacific time, Citi called the merchant at the center of the dispute. On its face, it shows culpability as my underlying complaint was that Citi never even sent my dispute to the merchant. Citi never, ever contacted the merchant about my dispute. My complaint this time is about what Citi did next. 

When Citi called the merchant, XXXX XXXX, they spoke with XXXX. The guy from Citi didn't ask her anything about the dispute or my CFPB complaint. Instead, the guy from Citi violated my privacy by aggressively asking XXXX if I had completed by XXXX course at XXXX XXXX. XXXX answered in the affirmative before the Citi guy abruptly hung up. 

They had no right to do what they did. They had no reason to do what they did.

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 2021-10-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I was involved in a motor vehicle accident on XX/XX/2021 that resulted in the total loss of my vehicle that was financed by Ally Financial Inc. My insurance company, XXXX XXXX provided a check for the full payoff amount of {$1300.00} to Ally and mailed it on XX/XX/2021. By XX/XX/2021 Ally began calling me sometimes 3-5 times a day pushing me to go to XXXX XXXX and electronically transfer them my regular monthly payment of {$170.00} plus approximately {$5.00} in late fees. I explained to them that XXXX confirmed someone at Ally Financial cashed the check on XX/XX/2021 and when I attempted to provide them with the check number they admitted they did in fact have the check information and they admitted to cashing the check but stated that they could not update my account because " their bank had not yet released the funds ''. This was per a conversation with them approximately 2 weeks after they had cashed the check. Once I found out that they did in fact have the check I told them that from now on they could speak with my lawyer who is currently representing me in my injury claim and provided them with my lawyer 's number. At that point my lawyer agreed to also send them a cease and desist letter that was sent on XX/XX/2021. However, now, when they call my lawyer and they find out who they are speaking with they immediately hang up and refuse to speak with them. As of today, Ally is now also calling my family members multiple times a day and asking them to contact me even though they know who they are supposed to speak with.

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 2021-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: United PanAm Financial Corp.
State: CA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with UNITED AUTO. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on UNITED AUTO. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate and MUST be deleted from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I dont have exact dates because i have requested for months my staements i cant evem see the transactions no statements are mailef anf for months i wasnt able to even log in! y account due to hacking of my account, i have called and emailec customer support too many times to count asking for statements XXXX they told me they would be sent but have not recevied

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 2021-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Veros Credit, LLC
State: CA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with VEROS CREDIT. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. I tried contacting 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: KY

Complaint narrative:
This company is in violation of multiple FDCPA laws. I have sent a validation debt letter and also a cease and desist letter over 45 days ago to this company, I have not seen this inaccurate information removed from my credit report. I demand this company to stop reporting inaccurate and unverifiable information immediately and to cease all forms of communication with me through any and all mediums.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Collector : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$340.00} Collector : XXXX XXXX  Account Number : XXXX, XXXX Balance : {$320.00}, {$320.00} Collector : XXXX XXXX XXXX Account Number : XXXX Balance : {$500.00} Collector : XXXX XXXX Account Number : XXXX Balance : {$230.00} This is a formal complaint against Equifax, XXXX, and XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 

I've been working on these accounts and I'm on my fourth dispute letter. I still see some information on the items such as the date of last activity which is reporting on three different dates. There is only one original source so the dates should be the same for all three bureaus. The XXXX XXXX XXXX is reporting on three different dates. I have asked the credit bureaus to re-investigate the account and correct the reporting but there have been no changes at all to their reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
This company is in violation of multiple FDCPA laws. I have sent a validation debt letter also a cease and desist letter over 45 days ago to this company. This company is reporting inaccurate information on my credit report and is causing me distress. The information that they are reporting is inaccurate and unverifiable. I have not seen this inaccurate information removed from my credit report, this company is still reporting this inaccurate information. I demand this company to stop reporting inaccurate and unverifiable information/accounts immediately and to cease all forms of communication with me through any and all mediums.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation