vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-09 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: TX

Complaint narrative:
Equifax has failed to thoroughly and openly investigate several misleading accounts listed below on my credit report. They have engaged in frivolous and nefarious activity in terms of re-investigating these accounts. I am hereby enlisting the help of the CFPB to hold them accountable and will be sending this complaint also to the FTC and my State Attorney General to resolve these matters expeditiously. I have sent Equifax several challenge letters some of which I attached below. All my letters are in accordance with FCRA guidelines and provide proof to enable Equifax to remove these inaccurate accounts. Sometimes Equifax vaguely " remarks '' some of these accounts without providing me with any actual proof of how they allegedly verified said accounts. This violates several federal laws and is willful violation of the FCRA. Any new or future remarks on any of these accounts will be taken as admission of wrong and liability. I have also sent several direct challenge and dispute letters to the creditors associated with these misleading accounts which I attached below. These creditors have refused to correspond directly or validate these alleged accounts and debts in accordance with the FDCPA. Equifax continues to illegally collude and communicate with these creditors who are also all in violations of my cease-and-desist letters which I sent them directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: PA

Complaint narrative:
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT AND INQUIRY WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). EQUIFAX HAS NEGLECTED TO HONOR MY REQUEST TO DELETE THESE ACCOUNTS AND INQUIRIES THAT ARE A RESULT OF IDENTITY THEFT AND BY LAW ARE REQUIRED TO PAY ACTUAL DAMAGES. I WILL TAKE ALL LEGAL ACTION, PLEASE APPLY 15 U.S. Code 1681 TO MY CASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
REQUEST FOR XXXX XXXXXXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX SS # ENDING IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: MD

Complaint narrative:
I had student loans from the 1990 's. I believe I was steered into costly forbearances, instead of income based repayment plans. I have been denied loan forgiveness, despite having worked for the XXXX XXXX for 14 years. Additionally, please find the uploaded document about money taken by Sallie Mae, Navient, XXXX. Despite having paid $ XXXX ( approximately ), I have had {$0.00} applied to the principal. My loans have now been passed off to XXXX to the tune of {$220000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
REQUEST FOR XXXX XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX SS # ENDING IN 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 2021-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Group, Inc. (GA)
State: FL

Complaint narrative:
ON XXXX the company RECEIVABLE MANAGMENT GROUP RESPONDED TO A COmplaint of mines in a frivolous manner.i want this company to be advised that all corresponding between me and this company will be held againt them for LEGAL purposes.i am DEMANINg this company delete this collection from my consumer report.they have violated my rights on numerous occasions i have giving this company numerous opportunities to do so. all corresponding documents againt this company will be held for leagal purposes BE ADVISED, I HAVE JUST GIVING YOU A FAIR WARNING!!! this company had volated my consumer rights and is aware that they have .so as my rights i am entitled to get in contact with my state attomey general for further assistance ..i will invoice this company baed on the statements of facts that they have provided me whith, which is has been considerd a violation under the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. I WILL BE INVOICING YOUR COMPANY WITH THE VIOLATIONS YOUR COMPANY : RECEIVABLE MANAGMENT GROUP HAS COMMITED AGAINT ME

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: MO

Complaint narrative:
MediCredit was paid in XX/XX/XXXX on a medical debt. MediCredit was credit reporting the debt and during the conversation for payment of the debt, I requested that it be deleted from my credit report. Additionally, pursuant to the update to FCRA any paid or settled medical debt should be removed from the credit bureau, not just updated as paid.

Since the debt was paid, any reporting of the medical debt should be removed from being reported to any credit reporting agency pursuant to S. 3351 ( 115th ) : Medical Debt Relief Act of 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2021 I filed a dispute and experion " settled " the dispute, the answer they wrote was " verified ". XXXX credit has the wrong address and Ido not know who this company is, Experian also put an address on my credit report and I do not live at this address. The adress is XXXX XXXX XXXX XXXX, I do not live at this address, experian refuses to remove the address. I disputed a company by the name of XXXX banking and experian says " verified ". I dont know who this company is. Experian will not give me any inforamtion. XXXX XXXX  " complaint # 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 explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT AND INQUIRY WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). XXXX  HAS NEGLECTED TO HONOR MY REQUEST TO DELETE THESE ACCOUNTS AND INQUIRIES THAT ARE A RESULT OF IDENTITY THEFT AND BY LAW ARE REQUIRED TO PAY ACTUAL DAMAGES. I WILL TAKE ALL LEGAL ACTION, PLEASE APPLY 15 U.S. Code 1681 TO MY CASE.

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 2021-08-09 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: NJ

Complaint narrative:
It is a fact that I am a consumer. 
Inquiry from XX/XX/XXXX by XXXX XXXX is being reported on my consumer report by TransUnion. I have contacted credit reporting agency ( TransUnion ) of this matter on XX/XX/XXXX via telephone.

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 2021-08-09 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: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : PORTFOLIO Account Number : XXXX-XXXX**** XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I XXXX, XXXX the consumer would like for you Transunion under the FCRA 15 US CODE 1681a which states that you should be reporting with fairness and accuracy. Transunion has responded to my last two complaints saying they need future authorize to dispute this alleged debt on my consumer credit report. I've sent all the required documents in the attachment below. You are violating my consumer right by not accepting my disputes and not excluding any consumer credit transaction from my consumer report which is pursuant 15 US Code 1681a ( d ) ( 2 ) ( a ) ( i ), 15 US Code 1681a ( d ) ( 2 ) ( a ) ( ii ), 15 US Code 1681a ( d ) ( 2 ) ( a ) ( iii ). You dont have any permissible purpose to furnish my consumer report pursuant to 15 US Code 1681b.

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 2021-08-09 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: GA

Complaint narrative:
I tired to remove Hard Inquiry XX/XX/21, It should have dropped off XX/XX/21, and they told me it would be next month before it drops off, that is 25 months, Hard Inquiries should drop off 24 Months, which is XX/XX/21, I only have 2 Hard Inquiries and this one should drop off and not show on report,. and when i checked it shows 2, should only show 1,

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 2021-08-09 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: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : XXXX Account Number : CAPIT-XXXXXXXX XXXX CAPITAL ONE BANK USA N A Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I got an email on XX/XX/20 that my mortgage was being transferred from XXXX XXXX  to Suntrust. 
I never got any kind of information in the mail or via email from Suntrust. Today I got an email threatening a late fee because I haven't made a mortgage payment yet. 

There is no way to register online to pay without my account number. I have been on hold with their customer service for over 40 minutes trying to get this sorted out and I am at work so this is not acceptable. I tried getting through to their customer service on XXXX through @ asksuntrust and they directed me back to their customer service telephone number.

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 2021-08-09 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: MO

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: AL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
On XXXX I was on the XXXX app and there was a popup ad that asked me to verify my information, and then after it brought me onto a new page where it asked for my ssn and other information without telling me i was signing up for a credit card. When i was done entering my information it told me that I was not approved for a credit card, which I wasn't attempting to apply for a credit card and I wasn't aware that they were coercing me to apply for a credit card.

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 2021-08-09 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: MD

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian 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 inquiries that are still reporting on my account : XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/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