vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i have an incorrect report on my credit bureau reports. XXXX XXXX XXXX is reporting a balance of {$5700.00} on a car that was charged off. I settled this with XXXX in XXXX XXXX  and it should be showing a {$0.00} balance. also as part of the settlement the account was supposed to be removed from my report. PLEASE help. this is frustrating as i have contacted XXXX ( the original creditor ) and the bureaus and no one will help me. I have submitted documents supporting this and they don't even look at them or take them into account. This is a blatant violation of the fair credit reporting act. PLEASE HELP!

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 2022-12-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
As of today, XX/XX/2022, my private student loan with Navient is past due. The due date was XX/XX/2022. Navient has been calling me incessantly about this while I am at work. I am unable to take outside calls at my job. It's sufficient for them to call one and leave a message for me to return instead of harassing me throughout my work day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Reporting Act. The List of accounts below have violated my federally protected. consumer rights to privacy and confidentially under USC1681 account # XXXX XXXX XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights 15 USC 1681 section 602 A States I have privacy. 15 USC 1681 section 604 A section 2 It also states a consumer reporting can not furnish a account without my written instructions. 15USC 1681c a section states no consumer reporting agency may make any consumer report containing any the following items of information. any other adverse item of information other than records of convictions of these crimes which antedates the report more than seven years 15 USC s 2 A 1 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I wanted to open a brand-new business checking account with Navy Federal Credit Union XXXX I was told I was unable to open account because, of a bankruptcy that was filed in 2002. They allow me to open a savings account but not a business checking account. I advised the phone agent that was over 20 years ago, and she said it didn't matter. She then proceeded to provide a listing of all accounts that were included in the bankruptcy filing which, I didn't request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
The reason for this letter is to dispute an unauthorized inquiry on my credit report. On XX/XX/22 I retrieved a copy of my credit report and discovered an inquiry from capital one that I have no knowledge of. 
I did not apply for credit with capital one on XX/XX/22 I have also reached out asking that they remove the inquiry from my credit profile. 

I'm requesting inquiry be removed immediately from my XXXX consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08 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: TX

Complaint narrative:
FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATION US DEPT OF EDUCATION DEPT OF EDUCATION / OSLA DEPT XXXX EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : collection not mine XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: TX

Complaint narrative:
FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATION US DEPT OF EDUCATION DEPT OF EDUCATION XXXX XXXX DEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXX hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection not mine 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 2022-12-08 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: MS

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX has knowingly disregarded my disputes on the XXXX XXXX XXXX dispute. I submitted paperwork showing this was paid and closed to be removed in XX/XX/2022 and the continually keep violating the FCRA and keep inaccurately reporting it. It is supposed to be removed as part of the settlement.

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 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has knowingly disregarded my disputes on the XXXX XXXX XXXX dispute. I submitted paperwork showing this was paid and closed to be removed in XX/XX/2022 and the continually keep violating the FCRA and keep inaccurately reporting it. It is supposed to be removed as part of the settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: MD

Complaint narrative:
Hello, I sent several complaints out about bankruptcies being on my credit report. XXXX # XXXX and # XXXX was obtained through the XXXX XXXX which is against consumer law 15 U.S.C 1681a ( e ). 
XXXX XXXXXXXX was removed from my XXXX Report on XX/XX/2022 that came back as unverifiable but also stated in same letter that # XXXX was verified? How is that when the bankruptcy courts don't furnish that information and I never gave permission per 15 U.S.C 1681 Section 604 A Section 2 to XXXX to provide my XXXX XXXX  to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Hello, I sent several complaints out about bankruptcies being on my credit reportXXXX XXXX XXXX XXXX and # XXXX was obtained through the XXXX XXXX  which is against consumer law 15 U.S.C 1681a ( e ). 
XXXX XXXXXXXX was removed from my XXXX Report on XX/XX/2022 that came back as unverifiable but also stated in same letter that XXXX XXXXXXXX was verified? How is that when the bankruptcy courts don't furnish that information and I never gave permission per 15 U.S.C 1681 Section 604 A Section XXXX to XXXX to provide my XXXX XXXX to the credit reporting agencies.

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 2022-12-08 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: AL

Complaint narrative:
In accordance with the XXXX XXXX XXXX. The List of accounts below have violated my federally protected. consumer rights to privacy and confidentially under USC1681 account # XXXX XXXX XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights 15 USC 1681 section 602 A States I have privacy. 15 USC 1681 section 604 A section 2 It also states a consumer reporting can not furnish a account without my written instructions. 15USC 1681c a section states no consumer reporting agency may make any consumer report containing any the following items of information. any other adverse item of information other than records of convictions of these crimes which antedates the report more than seven years 15 USC s 2 A 1 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-08 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: AL

Complaint narrative:
In accordance with the Fair Reporting Act. The List of accounts below have violated my federally protected. consumer rights to privacy and confidentially under USC1681 account # XXXX XXXX XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights 15 USC 1681 section 602 A States I have privacy. 15 USC 1681 section 604 A section 2 It also states a consumer reporting can not furnish a account without my written instructions. 15USC 1681c a section states no consumer reporting agency may make any consumer report containing any the following items of information. any other adverse item of information other than records of convictions of these crimes which antedates the report more than seven years 15 USC s 2 A 1 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to request the following information and determine my next actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NBT BANCORP INC.
State: NY

Complaint narrative:
Per original complaint XXXX, which I can no longer access because it was closed based on the " goodwill gesture '' of NBT Bank on XXXX XXXX XXXX I was provided with the following statement ( See below & attachment ) : QUOTE : Therefore, as a goodwill gesture, we will be removing the repossession from your credit history and we are working to eliminate the remaining balance of the loan. You can consider this letter as evidence that there is no longer a deficiency balance and your loan is considered paid in full. We hope that in the future, should a similar situation present itself, you would speak with members of our collections and/or customer service teams to keep us informed of your situation and allow us the opportunity to work through the challenges and avoid repossession altogether. Sincerely, XXXX XXXX XXXX XXXX XXXX MONETARY RELIEF AMOUNT {$3300.00} Instead, the debt was reported AGAIN after this as a repossession at the close of that month dropping my credit score again. After nearly 3 months with no intervention on the company 's part, I submitted a dispute with credit agencies using this document provided by XXXX XXXX as " evidence '' for removal from my credit report. Instead of the result of the dispute being a removal, NBT 's response, despite furnishing the credit agencies with this document from the XXXX XXXX XXXX XXXXXXXX XXXX as it was presented in the original complaint through the Consumer Financial Protection Bureau, was to immediately report the debt TWICE in ONE WEEK as DELINQUENT ACCOUNT, DEROGATORY, COLLECTION/CHARGE OFF, amount owing ( TWO different amounts on TWO different days - See attached ), which dropped my credit score with XXXX ANOTHER XXXX points!! XXXX is showing recent delinquent reporting from NBT ( see attached ) - actual score will be updated within a week. XXXX  Dispute is currently still pending. I shudder to think what the end result of that will be. 

There are hardly words.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have never received any letter letting me know the intent to collect, if so, please show a certified confirmation from the postal mail confirming that I am aware of this situation, the FTC is clear and concise, an account statement, with someone's personal information printed, it is not a legal proof that makes me responsible for the total or partial amount of the account in question, you have the obligation to send the client the requested documents in this case the contract signed by me where I accept responsibility and the terms of the itself, if it is not illegal to keep said information in my credit reports, please remove this information from the corresponding agencies, and delete it from your system, to prevent it from being sold to another collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Received letter in the mail, contacted collection company and faxed FTC identity theft and police report to collection agency. Collection agency continued to report incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am trying to close an account, but Bank of America is forcing me to call a phone that doesn't work. They are making this process purposefully complex

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 2022-12-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been experiencing issues with Bank of America sending me a new XXXX card. On XXXX XXXX at XXXX I received a text message from Bank of America that read Your BOFA XXXX  Debit Card has been disabled & terminated on XXXX XXXX when I called XXXX to file my benefits I told the representative about the text message I had received days prior and the representative had told me she had never heard of that happening before. Later on in the month of XXXX I spoke directly to a BOA rep. And they told me that they couldnt help me with this issue, because the account was closed for unknown reasons and they couldnt issue me another card. On XXXX XXXX I filed a complaint regarding the BOA XXXX  card I had that has recently been closed due to Bank of America freezing my funds EVERYTIME I would attempt to use my card, XXXX XXXX I filed another complaint with the CFPB against BOA because my card was still being blocked and I was unable to access my funds on my card. Both times response was that the problem was going to be investigated and they needed more time to see why this problem was occurring without reasoning. I then received a follow up email from XXXX XXXX department from XXXX XXXX Who had said she would be investigating the problem and would send me a letter I reached out to XXXX several times throughout XXXX  and never received a response later on in XXXX I received a letter from Bank of America stating the were experiencing a glitch in the system which was the reason that my card was not working accurately and that they would continue to update me on the investigation which they never did. Now a year later Bank of America refuses to issue me another XXXX card after they just closed my previous XXXX card for an unknown reasons.

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 2022-12-08 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: MS

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2022-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
Credence debt collection agency has been contacting me non stop regarding an debt in the amount of {$55.00} allegedly owed to XXXX. I have informed Credence on numerous occasions that I do not owe the debt. When I requested that my service with XXXX be disconnected, my account was paid in full. In fact, XXXX refunded me the amount that I had overpaid. I have requested that Credence provide me with proof of the debt however they have failed to do so. Instead of providing me with proof of the debt, they mailed me a letter stating that they ( Credence ) had verified the debt. I also requested that they provide me with information about their firm including their license number and whether they have a license in Arizona. They have failed to respond to my requests/inquiries yet they countinue to hound me. I am tired of them badgering me regarding a debt that I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to request the following information and determine my next actions.

Company response to consumer: Closed with non-monetary relief