vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I have been paying on my student loan for 21 years and I owe more money now than what I originally borrowed. I borrowed approx XXXX  now I owe XXXX. Though this account has been paid off through XXXX XXXX  XXXX  I would like my account looked at for accuracy because it doesnt make sense. Before I consolidated with XXXX XXXX  I called Nelnet and was told I had another 180 payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: GA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX, XXXX, and XXXX Credit Bureaus are reporting inaccurate information on PORTFOLIO RECOV ASSOC ( Original creditor : XXXX XXXX XXXX XXXX XXXX. ) ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.

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 2021-10-23 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: PNC Bank N.A.
State: OH

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: U.S. BANCORP
State: OH

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.

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 2021-10-23 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.

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 2021-10-23 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: MO

Complaint narrative:
SO I FAXED SOME INFORMATION TO EQUIFAX BACK IN XX/XX/2021 AND THEY STILL HAVE NOT RESPODED. IT HAS BEEN ALMOST 3 MONTHS AND STILL NOTHING HAD BEEN DONE ABOUT THESE FRAUDULENT INQUIRIES ON MY CREDIT REPORT. I CALLED LAST MONTH AND SPOKE WITH A REP AND THE CALL WAS DISCONNECTED IN ABOUT 20 MINS INTO THE CALL HE PUT ME ON HOLD AND NEVER CAME BACK TO THE PHONE ( VERY UNPROFESSIONAL ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Synovus Bank
State: MO

Complaint narrative:
FIRST PRROGRESS was informed that a prepaid card acct was fraudulently opened under my name and {$500.00} stolen from me in XX/XX/2021. 
After weeks of calls, they finally submitted a fraud report and ultimately settled in my favor. 
My XXXX was taken out, I disputed with my bank and ultimately First Progress was allowed to keep my money. 
I want either my bank, XXXX XXXX, or First Progress to refund my XXXX money immediately. 
First Progress claims they don't have it, but the bank cleanly shows they do. 
I have a XXXX son and can not afford to lose this money. I am a month behind on rent since this happened!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX , and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX, XXXX, and XXXX Credit Bureaus are reporting inaccurate information on LVNV FUNDING LLC ( Original creditor : XXXX XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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 lists of the erroneous accounts reporting on my Credit Report :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX , and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX, XXXX, and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: BAM Management US Holdings Inc.

Complaint narrative:
The Binance exchange which is very popular has received XXXX XXXX as an XXXX  in which the infrastructure was already perfectly functional and setup for a previous airdrop XXXX XXXX XXXX in which they have announced that they will support. When the XXXX airdrop came, they decided to not distribute it to the rightful owners and keep it for themselves and we have proof that they have the XXXX XXXX  in their address by looking at their address on the blockchain. This company needs to be put back into place and ordered to distribute XXXX XXXX to the rightful owners who participated in the airdrop  and they are currently holding ~XXXX  XXXX  dollars worth of XXXX  which are not theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: SC

Complaint narrative:
Back in XXXX & XXXX of 2019, XXXX XXXX Bank stated they did not receive a payment from me, with the two credit cards I had with the company and that information is inaccurate, payment has always be made to the company. Late payment ( s ) was reported to the credit bureaus, Equifax shows account was paid as agreed, but on other credit applications that use Equifax, shows negative information was placed on the two accounts that I had with XXXX  XXXX, Equifax credit report shows no late payments so I am requesting this negative information be removed from XXXX, XXXX, Equifax as well due to inaccurate information being placed on my credit reports. Late payments being reported and this information needs to be corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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 lists of the erroneous accounts reporting on my Credit Report : Terminate issuing incorrect information to my Credit Report and delete these accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: NY

Complaint narrative:
I HAVE FOUND INFORMATION THAT I BELIEVE IS FRAUDULENT IN MY CREDIT REPORT THIS INFORMATION IS DEROGATORY AND DAMAGING TO MY CREDIT. PLEASE HELP ME TO CLEAR THIS ERROR.

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 2021-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Robinson & Hoover
State: IN

Complaint narrative:
On XX/XX/2021 I checked my check stub to verify my pay for the pay period. I noticed a wage garnishment in the amount of {$320.00} from my pay. I have no idea where this is coming from. I contacted my HR department because I was told that both the creditor and my company was supposed to inform me of the garnishment. I never received a letter from either my employer or the creditor. Upon further review the outsourcing company that handles my employer 's pay attached information of the creditor. I have no knowledge of this creditor. The original creditor is not on my credit report and I have no idea what this debt is for. I believe the attorneys office of XXXX XXXX XXXX XXXX XXXX falsified documentation in order to get a judgement from the court. I have personally never lived in XXXX  XXXX, Ok and I haven't lived in the state of Oklahoma in over 4 years. Legally the law firm of XXXX XXXX XXXX XXXX had the responsibility to contact me about the attempt to collect the supposed debt. This garnishment is not legal as I was not notified of the judgment and have no knowledge of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Im being discourage and discriminated from applying for a card on the bases of bogus reason. 
The law bars discrimination. 
This law protection means that a card issuer may not use any of the above grounds as a reason to do the following : discourage you from applying for a 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 2021-10-23 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: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Resources, Inc.
State: NM

Complaint narrative:
I was incarcerated during this time at XXXX XXXX XXXX XXXX ( XXXX ) This debt should of been paid by them it is their responsibility not mine I have full coverage insurance when not incarcerated the bill belongs to them they are legally require to pay not the inmate. This has hurt my credit and is not and never was authorized by me. I was incarcerated for 17 months with never being released to take care of my personal finances. I was incarcerated from XX/XX/XXXX to XX/XX/XXXX XXXX then from XX/XX/XXXX to XX/XX/XXXX at XXXX prison in XXXX NM

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: AZ

Complaint narrative:
I have 4-5 erroneous accounts that were opened on all 3 credit reports ( same merchant ) different bureau. I have disputed this multiple times. Unfortunaetly the credit reporting agencies have not followed what I have asked to prove these accounts were mine or delete the items being reported. I have asked multiple times to do a manual investigation and NOT to use the E-Oscar and NOT to use ACDV or the Automated Dispute Resolution. When I tried to open a 2nd dispute online for one of them the system would not allow me to submit a 2nd dispute. I need to have these manually verified and see proof that these accounts were ever mine because I never opened these accounts and nobody so far has been able to provide me with any proof they were.

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