vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-03 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX has failed in correcting all 3 credit bureau 's pretaining to my mortgages.they have lied and lied over again since XX/XX/XXXX one month after I had the U.S. bankruptcy court in XXXX XXXX XX/XX/XXXX to re open my bankruptcy case of my reaffirmation that the judge made them sign and file by XX/XX/XXXX XXXX has only reported to XXXX  reporting agency.they lied about reporting payments to Transunion, & XXXX.these reporting agencies and I have been discussing this issue since XX/XX/XXXX is when XXXX XXXX was ordered to start reporting my payments and add my mortgage payments back onto the tradeline.XXXX has cause me a great deal of mental stress and they need to be seriously sued in a court of law.XXXX XXXX knows I'm trying to refinance my home in XX/XX/XXXX and they are blocking this from happening with another Lender ... they need to be seriously fined by the CFPB.as soon as possible.they are big Lyers.

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 2019-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have written several times asking for VALIDATION and PROOF that I applied for and own. XXXX XXXX credit card. I have gotten no assistance in this matter and no response in timely manner. 

I am asking that this account be validated showing a SIGNED contract with myself and XXXX XXXX   on behalf of XXXX XXXX. 

If this account can not be lawfully validated I ask that this account be removed from my credit report and discontinue collections attempt and reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
I have written several times asking for VALIDATION and PROOF that I applied for a PAYDAY LOAN I have gotten no assistance in this matter and no response in timely manner. 

I am asking that this account be validated showing a SIGNED contract with myself and National credit adjusters/XXXX XXXX If this account can not be lawfully validated I ask that this account be removed from my credit report and discontinue collections attempt and reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cottonwood Financial Ltd.
State: GA

Complaint narrative:
I have written several times asking for VALIDATION and PROOF that I applied for a PAYDAY LOAN I have gotten no assistance in this matter and no response in timely manner. 

I am asking that this account be validated showing a SIGNED contract with myself and XXXX XXXX XXXX XXXX  If this account can not be lawfully validated I ask that this account be removed from my credit report and discontinue collections attempt and reporting.

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 2019-03-03 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: IL

Complaint narrative:
I am a victim of Identity theft/fraud.

I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, EQUIFAX, XXXX XXXX XXXX   XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX, XXXX XXXX XXXX   continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have been a victim of Identity Theft. The following accounts are fraudulent : To protect myself from further harm, I have filed a consumer protection and an Identity Theft report. ( See attached reports. ) I did not authorize these fraudulent accounts. I have also provided you with copies of my social, current and past address and license.

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 2019-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, a letter was sent via certified mail to Credit systems XXXX XXXX XXXX XXXX, TX XXXX. The letter had an estimated delivery date of XX/XX/XXXX. As of today, XX/XX/XXXX I havent received a response from Credit Systems. 
The Hippa Letter was just asking the collection agency to validate the alleged debt. In the letter I personally requested, the name of the hospital and medical provider with a detailed breakdown of the fees I owe. 
Please help to get a response from Credit systems, they are in violation of the FDCPA for withholding the information from the medical provider after my written request. Since Credit systems can not validate the debt I am requested it be deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of Identity theft/fraud. 

I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX   AND EXPERIAN XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX AND EXPERIAN continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.

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 2019-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Called Transunion twice trying to get reason why their site was claiming THEY had a problem ... because the site gave me a telephone number and told me to call them ... each time their rep wanted to grill me for personal information over the phone ... I finally got someone to tell me me that their " service '' did not work with XXXX XXXX  ... 

So, I went to XXXX browser and got on.. However, when got to date page, it would not " take ' the dates to open up the report ... I was able to scroll down to correct date, but would not " activate '' when pressed. So, called back again.. again getting someone that wanted to drill me over the phone for personal information ... and, it was now clear, do the job personally. The person admitted did not know anything about the Transunion web site and admitted could not put me in contact with anyone that did. 

First person : did not get ID ... hang up on me when refused to give out personal information over then phone Second person : XXXX XXXX Third person : .XXXX XXXX Called XXXX I think this is a scam to enable the company to troll for information. 

Also, it looked like, if the web site had worked that they wanted me to leave the report open for at least 24 hours ... which would not have been necessary.. except, I have to wonder, to allow other paying clients to access my information. 

REPORT SUBMITTED TO CFPD under duress ... no reason for them to have it.. This is an company web issue ...

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 2019-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
Parent Plus Loan Original Amount {$110000.00} dated XX/XX/XXXX has been PAID IN FULL for over four ( 4 ) years. Recently received a statement from Navient ( which was also sent to the State of Connecticut ) showing that we owe money on this loan which has been PAID IN FULL. Letters and statements have been received from Sallie Mae and Navient in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX confirming this. 

Currently unable to download the letters on this site at this time. 
Error Message Received XX/XX/XXXX : The webpage at https : //complaint.consumerfinance.gov/submit-a-complaint/XXXXFileAttach might be temporarily down or it may have moved permanently to a new web address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 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: SC

Complaint narrative:
I have been a victim of Identity Theft. The following accounts are fraudulent : To protect myself from further harm, I have filed a consumer protection and an Identity Theft report. ( See attached reports. ) I did not authorize these fraudulent accounts. I have also provided you with copies of my social, current and past address and license.

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 2019-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
On XX/XX/XXXX, a two ( 2 ) page written dispute letter explaining the grounds under which the alleged debt was disputed and was not owed by me was U.S. mailed return receipt requested to XXXX XXXX XXXX, the Florida Registered Agent for XXXX XXXX and their affiliates doing business in Florida, and such letter was received and signed for by a representative of XXXX XXXX XXXX on XX/XX/XXXX. To date, XXXX XXXX has not acknowledged and/or responded to this dispute letter. 
During the mid to later part of XXXX, XXXX, my first and only correspondence from XXXX XXXX XXXX, XXXX mailed me notices ( first dated XX/XX/XXXX and the second dated XX/XX/XXXX, XXXX ) which failed to disclose in such notices in violation of FDCPA the following, but not limited to, illegal acts and/or violations- ( i ) debt was in dispute, ( ii ) my right to dispute validity of debt and be provided proof of said debt even though it had already been disputed, and ( iii ) threatened to report debt to credit reporting agencies without disclosing debt is 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 2019-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: GA

Complaint narrative:
To whom this may concern : I'm working towards public service loan forgiveness, and am having great difficulty getting an accurate count of the number of months that have counted towards my forgiveness. Per my banking records, XXXX XXXX has undercounted the number of months I've repaid by about 10. I've sent these records in twice via their website ( once in XX/XX/2017, and another about 2 months ago ), which show all of my payments. I have yet to hear back either time, but do get a total count of applied months whenever I submit my work certification form. I've been asking them to either change the number of payments that count toward my goal of 120 payments, or simply delineate which months they are not counting and why.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of Identity theft/fraud. 

I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX AND EXPERIAN XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX AND EXPERIAN continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.

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 2019-03-03 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: MO

Complaint narrative:
I'm disputing these XXXX unauthorized inquiries inwhich I did not authorize nor do I have any acknowledge of please remove these from my report in order to promote fairness. The inquires are, ( 1 ) XXXX ( XXXX ) ( 2 ) XXXX XXXX ( XXXX ) ( 3 ) XXXX XXXX ( XXXX ) ( XXXX ) XXXX ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 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: CA

Complaint narrative:
Experian and XXXX Credit Reporting Agencies are allowing two debt collectors to publish information on my credit report in violation of the Fair Debt Collection Practice Act. According to that " Act '' debt collectors are required to contact me first regarding a debt and allow me 30 days to submit a written request for validation of the debt. Both Experian and XXXX are publishing information on my credit report regarding a collection account owed to XXXX XXXX # XXXX in the amount of {$3100.00} ; however, I am not familiar with XXXX XXXX and I never received any notice of debt from the company before it was published on my credit report. I was denied my important rights under Federal and State law. I contacted both agencies to let them know that XXXX XXXX violated the law and denied me my rights under federal law but no action was taken. 

Experian and XXXX further violated my rights by placing a second collection account on my report that was placed by XXXX XXXX XXXX. This company did send me a notice of debt about 6 months ago and within 30 days I submitted a request for validation of debt, in which I informed the agency that I have never enjoyed a XXXX account. XXXX did not contact me further, but recently in violation of Federal Law, XXXX placed a collection action on my account causing my credit score to drop.

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 2019-03-03 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I have this same problem with all Synchrony credit cards. They do not follow standard business practices when accessing payment amount due, late fees, etc. example. Purchased 800 item from XXXX XXXX   via Synchrony card. Terms are 36 months, no interest, payments {$23.00} a month. Purchased made right after XXXX XXXX. Made a {$200.00} payment XXXX XXXX. Did not show up. I thought payment did not go through. Paid again XXXX XXXX, XXXX another {$200.00}. Called and explained. They send back my {$200.00} in a check. Next statement shows the original purchase plus another {$200.00} purchase. Payment now due in XXXX. I paid XXXX?. Dollars. Next statement shows a payment due of XXXX on XX/XX/XXXX because of their error. Called once and was placed on hold twice and then hung up on. I am currently on second call with 20 minutes in and probably will eat no answer. Second time I spoke with XXXX operator number XXXX. Still on hold. 

Second Synchrony with XXXX. Can get refunds but payment due is still based on old incorrect amount. W late charge if you pay pay, ent. Asked on erroneous amount. They say they cant fix it.

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 2019-03-03 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I'm disputing these 4 unauthorized inquiries inwhich I did not authorize nor do I have any acknowledge of please remove these from my report in order to promote fairness. The inquires are, ( 1 ) XXXX ( XX/XX/XXXX ) ( 2 ) XXXX XXXX ( XX/XX/XXXX ) ( 3 ) XXXX XXXX ( XX/XX/XXXX ) ( 4 ) XXXX ( 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
Consumer complaint received 2019-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Advantage LNS Inc.
State: SC

Complaint narrative:
My identity was stolen in 2017. I submitted dispute letters to this company along with all 3 credit bureaus numerous times. Each time I dispute they verify the account as accurate. Federal Law states I must have a written contract along with all FCRA requirements. Also I filed a police report for my identity theft and had a fraud alert placed on my accounts. 
This letter is regarding account # XXXX, which you claim I have a charge off and I owe {$5100.00} and my account was reported to collections as delinquent for {$5100.00} ]. This is a formal notice that your claim is disputed.I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent and evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation.

Company response to consumer: Closed with explanation