vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-20 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: VA

Complaint narrative:
I have been disputing this account which is not mine ( XXXX XXXX XXXX XXXX ) with Experian for over 7 months now and nothing being done. This account was removed from my XXXX and XXXX Credit reports because they done a real investigation and found out this account is fraudulent. The account being reported multiple times on my experian report at one time it was being reported as XXXX different accounts plus so much more and its very upsetting. I demand this account to be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and the XXXX breach and may have gotten 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 2022-02-20 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: MI

Complaint narrative:
I file a dispute with the credit report agency about how information bankruptcy was verified because my XXXX XXXX has a freeze on it and the court did not verify the information. It is still showing and they said it was verified and it was not. Per fair credit act must be remove. I sent the a letter and they said they do not report to credit agency. Should be remove on all XXXX reports plus my credit has a data security incident also. XXXX XXXX was cancellation of debt. See letter and they also said it was verified and it was not. 
See XXXX freeze

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 2022-02-20 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: MI

Complaint narrative:
I file a dispute with the credit report agency about how information bankruptcy was verified because my XXXX XXXX has a freeze on it and the court did not verify the information. It is still showing and they said it was verified and it was not. Per fair credit act must be remove. I sent the a letter and they said they do not report to credit agency. Should be remove on all XXXX reports plus my credit has a data security incident also. XXXX XXXX was cancellation of debt. See letter and they also said it was verified and it was not. 
See XXXX freeze

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: MO

Complaint narrative:
On XX/XX/XXXX, I disputed an account on my credit report ( XXXXXXXX XXXX XXXX ) to TransUnion, XXXX and XXXX. I did not get a response. I disputed this account on XX/XX/XXXX and still did not get a response. I submitted another dispute letter on XX/XX/XXXX stating the reasons why this account should not be reported on my credit report and to remove it immediately. I still haven't received a response. I also asked for this account to be reinvestigated within 30 days. I still haven't received a response. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXX XXXX XXXX  ) from my credit report immediately and permanently. This account has not been resolved in over 90 days from my very first 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 non-monetary relief
Consumer complaint received 2022-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
Here are the facts : I have been a full time public XXXX  XXXX  in California for XXXX  years without any gaps in my full time employment as a XXXX. 

I am a XXXX  for the XXXX XXXX XXXX XXXX. I was hired on XX/XX/2002. XXXX XXXX XXXX XXXX is part of XXXX XXXX  XXXX XXXX. The XXXX number is XXXX. 

I have been paying on my student loans for over XXXX  years. 

I have paid over {$40000.00} toward my student loans, which is more than I borrowed. 

I have applied for the XXXX XXXX times. Fedloan Service always finds a reason to deny me loan forgiveness. 

My account was NEVER delinquent. 

Originally, I did not qualify for XXXX because my payments were not the right amount. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  

I applied for XXXX. Twice I was told by Fedloan Servicing representatives that I would absolutely qualify for XXXX before submitting my applications. 

Just as I was eligible for XXXX, Fedloan Servicing changed the eligibility requirements from XXXX to XXXX qualifying payments. 

I recently consolidated my student loans, because according to the FSA website, that is what I needed to do in order to qualify for the XXXX waiver. Now I am told that I have XXXX out of XXXX payments to go. 

My health suffers every time I go through this process and get denied. It is extremely stressful and causes major anxiety. This feels like a big XXXX fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Revolution Financial Inc.
State: OK

Complaint narrative:
XXXXXXXX XXXX mailed out a check for property damaged in a vehicle accident. It arrived during a time when I was XXXX. It was then stolen and deposited XX/XX/XXXX. I alerted them to this in XXXX of XXXX when I was released. I had contacted them to have the check sent to me and they informed me it had already been sent and paid out. Police reports were filed immediately and all documentation requested. XXXX informed me that the bank had to run an investigation and it could take up to XXXX months. It has now been almost a year and they just keep telling me the investigation hasnt been concluded. They actually asked me to stop contacting them at XXXX point and wait for them to contact me. The check was a XXXX cashiers check from XXXX XXXX in the amount of {$7800.00}. Issued on XX/XX/XXXX It was deposited into a XXXX XXXX account in XXXX XXXXXXXX on XX/XX/XXXX. Account # XXXX belonging to XXXX XXXX # XXXX. Neither XXXX, XXXX XXXX nor XXXXXXXX XXXX will give me any updates on the investigation.We have solid evidence that neither my wife nor myself cashed this check. I am submitting a complaint and formal request for an update on the investigation to each company. This investigation has been going on since XXXX of XXXX, 8 months now, and I haven't been contacted to answer questions or anything. I don't even know if an investigation is actually taking place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: SC

Complaint narrative:
My credit score decreased by XXXX points for a debt thats not mine on XX/XX/2022 then later that day it decreased another XXXX points for no reason at all by Experian

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 2022-02-20 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: CA

Complaint narrative:
On XX/XX/21 I checked my Equifax credit score through the account I have on XXXX XXXXXXXX XXXX website. It was XXXX, but it showed me owing XXXX XXXX {$62.00} which was false. I owed XXXX XXXX nothing. 
I filed a dispute with Equifax through XXXX XXXX and on XX/XX/21 the {$62.00} XXXX XXXX balance was removed but my Equifax credit score dropped XXXX points to XXXX. 
There has been no activity at all to have caused that to happen so I filed another dispute with Equifax and I also filed a dispute with XXXX XXXX. 
Not only did either company 's representatives not understand the issue, the score remained the same and has not gone back to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: MD

Complaint narrative:
Discover Bank, on XXXX closed my checking account. This was during a call I made to them inquiring why the deposit for a cashier 's cheque of XXXX that XXXX  XXXX XXXX gave to me was rejected. 
BoA then gave me XXXX cashier 's checks of XXXX and XXXX for the funds I had in my account with them. I deposited the first check of XXXX in my Discover bank on XXXX and rejected the second check of XXXX and stated it was altered on XXXX. 

Discover Bank told me they have decided to close my account for " business reasons '' and will be sending me a check for my balance after 60days even though they refuse to give me the reasons for this business decision. 

I believe their decision was unfair to me because I have not been inform what I did wrong, I was also not notified, alerted, warned or queried of any inappropriate action on my part nor given any opportunity to respond or otherwise before and after the decision was taken I am just migrating to the United States from XXXX and do not have any other source of income apart from my savings which Discover bank have hijacked. I need these funds to pay for my bills, rent and food.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
My credit score decreased by 100 points for a debt thats not mine on XX/XX/2022 then later that day it decreased another 20 points for no reason at all by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Millennial Home Lending, Inc
State: WA

Complaint narrative:
Hello, On XX/XX/2022 I had an appointment at XXXX to finalize the signing of my new mortgage with XXXX XXXX DBA Millennial Home Lending. I signed all the documents but was not given any of the forms I signed including the three-day rescinding document, the payment coupons for where I make my first two payments to or any of the loan documents. He told me that he would go back to the office and copy them then bring them back to me. Then I receive an email telling me that he had closed the app and was not able to print any of the documents so reach out to my lender. I then reached out to XXXX XXXX and was told that they can not provide me any of the documents but that they forwarded them to the title company to have them send me a copy. I still have not received any of the documents.

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 2022-02-20 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:
On XX/XX/21 I checked my XXXX credit score through the account I have on XXXX XXXX XXXX  website. It was XXXX, but it showed me owing Capital One {$62.00} which was false. I owed Capital One nothing. 
I filed a dispute with XXXX through XXXX XXXX and on XX/XX/21 the {$62.00} Capital One balance was removed but my XXXX credit score dropped XXXX points to XXXX. 
There has been no activity at all to have caused that to happen so I filed another dispute with XXXX and I also filed a dispute with Capital One. 
Not only did either company 's representatives not understand the issue, the score remained the same and has not gone back to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account  XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-02-20 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: MD

Complaint narrative:
I am writing to dispute and alleged debt with NCB management services, After numerous attempts ( letter sent to debt collector for validation ) they were unable to validate that I owe this alleged debt. How is this possible? under the laws of the XXXX these negative items still being reported on my credit report I have contacted the collection agency for proof ( copies of my signature, original contract with me and debt collector in agreement, original copies of the last statement or actual bill with me and debt collector. No official document or authority the collection agency has such as a license to collect in my city or state after numerous attempts still unable to get them to verify with any official permission documents that this is indeed my debt Ive enclosed copies of my recent request to the collection agency asking them to validate this alleged debt and the receipts showing that I sent these letters certified signature requested this alleged debt is not mine and I was given no evidence of my obligation to pay. The steps to the collection agency XXXX requires you to verify and validate the items within XXXX days. If the validity can not be verified debt collectors obligated by law to remove the items. I will use the courts as needed to enforce my rights under the XXXX I look forward to CFPB protection and to enforce the law against all perpetrators and violation of XXXX laws. CFPB protect my right to a fair and accurate credit report, also if legal action taken and CFPB find such perpetrators negligent against myself CFPB called as a witness on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I am writing to dispute an alleged debt with Portfolio Recovery after numerous attempts ( letters sent to debt collector for validation ) they were unable to validate that I owe this alleged debt. How is this possible? under the laws of the FDCRA these negative items still being reported on my credit report. I have contacted the collection agency for proof ( copies of my signature, original contract with me and debt collector in agreement, original copies of the last statement or actual bill with me in the debt collector ) no official documents or authority the collection agency has, such as a license to collect in my city/state. After numerous attempts still unable to get them to verify with any official permissible documents that this is indeed my debt. Ive enclosed copies of my request to the collection agency asking them to validate this alleged debt in the receipts showing that I sent these letters certified signature request. This Debt is not mines and I was given no evidence of my obligations to pay this alleged debt to this collection agency. I will use the courts as needed to enforce my rights under the FCRA. I look forward to CFPB protection and to enforce the law against all perpetrators and violation of FCRA laws. CFPB protect my rights to a fair and accurate credit report, also if legal actions are taken and CFPB fine such perpetrators negligent against myself. CFPB would be called as a witness on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I informed the Credit bureau XXXX, XXXX, Experian that i hade inaccurate and misleading/Fraudulent personal addresses and accounts on my credit report that they being falsely reported They did there investigations and removed all the inaccurate information being report well a month or so later XXXX and Experian decided to put in fraudulent information back on my credit report! I reached back out with a dispute letter telling them there wrongs of re-reporting the inaccurate/fraudulent items and they still havent gave me any response and its been well over 30 to going on 60 days with no re-investgation results. Ive been very patient with these compqnys have rwached out to over a 100 different companys trying to get them to validate these inaccuracies of my credit report still nothing please help me thank you~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 2022-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
XXXX XXXX mailed out a check for property damaged in a vehicle accident. It arrived during a time when I was incarcerated. It was then stolen and deposited XX/XX/XXXX. I alerted them to this in XXXX of XXXX when I was released. I had contacted them to have the check sent to me and they informed me it had already been sent and paid out. Police reports were filed immediately and all documentation requested. XXXX informed me that the bank had to run an investigation and it could take up to XXXX months. It has now been almost a year and they just keep telling me the investigation hasnt been concluded. They actually asked me to stop contacting them at XXXX point and wait for them to contact me. The check was a Citibank cashiers check from XXXX XXXX in the amount of {$7800.00}. Issued on XX/XX/XXXX It was deposited into a XXXX XXXXXXXX account in XXXX XXXXXXXX on XX/XX/XXXX. Account # XXXX belonging to XXXX XXXX # XXXX. Neither Citibank, XXXX XXXX nor XXXX 's will give me any updates on the investigation.We have solid evidence that neither my XXXX nor myself cashed this check. I am submitting a complaint and formal request for an update on the investigation to each company. This investigation has been going on since XXXX of XXXX, XXXX months now, and I haven't been contacted to answer questions or anything. I don't even know if an investigation is actually taking place.

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 2022-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I informed the Credit bureau Transunion, XXXX, XXXX that i hade inaccurate and misleading/Fraudulent personal addresses and accounts on my credit report that they being falsely reported They did there investigations and removed all the inaccurate information being report well a month or so later Transunion and XXXX decided to put in fraudulent information back on my credit report! I reached back out with a dispute letter telling them there wrongs of re-reporting the inaccurate/fraudulent items and they still havent gave me any response and its been well over 30 to going on 60 days with no re-investgation results. Ive been very patient with these compqnys have rwached out to over a 100 different companys trying to get them to validate these inaccuracies of my credit report still nothing please help me thank youXXXX 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