vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-29 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:
Please be advised that I am exercising my rights under Fear Credit Reporting Act section 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a detailed description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and the address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 
I am seeking a detailed ''METHOD OF VERIFICATION " as it pertains to a XXXX XXXXXXXX XXXX account that is currently reporting on my credit report. The account number for that account is XXXX... .... 
In compliance with the method of verification request, please provide the following. The description of the procedure used to determine the accuracy and completeness of information. 
. Name, address and telephone number of each person contacted regarding this alleged account. 
. Copies of any documents bearing my signature showing that this account belongs to me and that I opened this account and kindly provide statements showing all the payments made on this account. Any automated response or E- Oscar verification is unacceptable. I am requesting your method of verification that you used to prove whether or not XXXX XXXX XXXX  is reporting on my credit report accurately. 
I expect to receive a response within 15 days of receipt of this letter in compliance with the Fair Credit Reporting Act. If not, I expect that XXXX XXXX  XXXX be removed from my credit report immediately. A similar request was sent to you in XX/XX/2021 and it was ignored by you. If my request is ignored again then I will be forced to take legal action so as to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: CrossCountry Mortgage LLC
State: GA

Complaint narrative:
XXXX : XXXX/CROSSCOUNTRY MORTGAGE LLC ran a hard credit inquiry without my permission. 

XXXX : I was informed of this check through Chase Bank credit monitoring. 

XXXX : I sent a message to Crosscountry Mortgage, LLC through their website informing them that they conducted an unauthorized inquiry. Pending response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: BlueChip Financial
State: CA

Complaint narrative:
Company contacted me at XXXX ( XXXX XXXX ) on XX/XX/2022. Screenshots of voicemail are attached. They again contacted me today, XX/XX/2022 at XXXX ( XXXX XXXX ). 

This company is also being deceptive as the representative initially told me that I was not a part of a class action lawsuit, which I was and confirmed therefore this debt should have been cleared out. I was a part of the class action lawsuit Case XXXX, in the United States District Court for the XXXX XXXX of Virginia , against BlueChip Financial dba Spotloan and do not owe a current balance as you falsely stated. They lied in order to have me setup a payment arrangement, which I canceled as soon a I validated that I was in fact a part of the lawuit. They threatened legal action several times.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I received two credit cards that I did not apply for. XXXX 's and XXXX. I called both companies and they closed both of them I just need to report this fraud cause I don't know what information was compromise

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
ORDERED NEW DEBIT CARDS FROM NAVY FEDERAL CREDIT UNION AND RECIEVED FAKE CARDS THIS IS THE SECOND TIME IN LAST TWO WEEKS FAKE VISA DEBIT CARDS HALOGRAM OF BIRD IS JUNK MAGNETIC STRIP IS A JOKE. 

XXXX XXXX XXXX DID SAME EXACT THING THEY COULDNT DISCUSS MATTER OVER PHONE SAID THEY WOULD ONLY TELL ME WHAT WAS GOING ON IF I WENT TO BRANCH SO I went branch CLOSED MY ACCOUNT Same day they still would not tell me why my pension check was not deposited half my check was pending they said.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXt # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 2022-03-30 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: NM

Complaint narrative:
For the past five years, I have attempted to contact the credit reporting agencies regarding incorrect items on my credit file that don't belong to me. It appears to me that someone has my personal information and has been establishing fraudulent credit in my name. I have put several fraud alerts on my file. The most recent is for {$970.00} from XXXX XXXX XXXX XXXX XXXX services opened on XX/XX/XXXX. And there's the XXXX auto finance for {$7700.00} back in XXXX. I have attempted to contact the auto company for years to dispute this charge. I have now filed a police report because this fraud continues and it is exhausting trying to fix my name and financial credit report.

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 2022-03-30 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: NM

Complaint narrative:
For the past five years, I have attempted to contact the credit reporting agencies regarding incorrect items on my credit file that don't belong to me. It appears to me that someone has my personal information and has been establishing fraudulent credit in my name. I have put several fraud alerts on my file. The most recent is for {$970.00} from XXXX XXXX XXXX XXXX XXXX services opened on XX/XX/XXXX. And there's the XXXX auto finance for {$7700.00} back in XXXX. I have attempted to contact the auto company for years to dispute this charge. I have now filed a police report because this fraud continues and it is exhausting trying to fix my name and financial credit report.

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 2022-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/2021, i tried to purchase a gift card for XXXX XXXXXXXX XXXX XXXX XXXX for my family who were visiting XXXX, i got an error from the American Express that transaction was unsuccessful. Tried again same error. So my family came back on XX/XX/XXXX. After couple of days i saw a charge on my account that was processed and initiated on XX/XX/2021. After that i tried disputing it and as usual they rejected the claims by forwarding me some fake documentation from the company and when i compliant about it to their executive team no action from them as well. 
Amount was XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: WA

Complaint narrative:
I call agent XXXX on the phone run for me a quote for my auto insurance and home insurance together around XX/XX/21 I want insurance beginning on XX/XX/21 Because I want change my insurance XXXX wil expired on XXXXgo XXXX if cheaper so When he run a quote done he tell me if you want get discount you had to pay full amount now I agree I give him my bank router and account number But some how they can withdraw my money from my account they are sending a letters my insurance will not affect on XX/XX/21 Even I call them to pay full amount on XX/XX/21 they didnt accept because they said I have to pay more only discount if we can took your money 2 week before So I aslo keep my XXXX insurance on XX/XX/21 until now Few months I see a bill from XXXX I call XXXX I ask why I owned money from XXXX because XXXX cancel the insurance from the beginning Right now they send me credit collections services Can you help me out? 
Any questions you can reach me by text XXXX Email XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: DE

Complaint narrative:
I XXXX XXXX XXXX XXXX received a copy of my consumer report and noticed unauthorized inquiries and fraudulent accounts on my consumer report. These accounts are hurting my reputation and hindering me from getting a second job and going back to school to support my family. Im stressed because my consumer profile is vital in todays world, I cant get a second job to support my family due to these fraudulent accounts and unauthorized inquiries. I filled out an Identity Thief report see enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been banking with chase for 11 years and suddenly they closed my account without explanation or advance notice

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received a 30 day late payment on my credit back in XXXX of 2021. I explained that I had missed my payment because I started a new position and was going through a stressful period in life. I quickly corrected the mistake and got caught up on the payment. I even showed them bank statements that I had more than enough money in my account at the time the payment was missed and they still failed to see that an honest mistake was made and remove the late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Experian has been playing games and using stall tactics to not send me my " Credit File '' also known as " FILE '' under 15 USC 1681a ( g ). Experian decided to only send me my Credit Report and pretend as if they were sending my " Credit File '' as well just to close out my first complaint. It has been over 4 months and slowly coming up on 5months since I requested my " File ''. Experian is so unprofessional and I preparing to sue them in court if this matter is not solved in 7 days of seeing this complaint and replying back they are sending my ''Credit File ''. In the FAIR CREDIT REPORTING ACT under 15 USC 1681a ( g ) it states the following below : " The term ''file '', when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. '' I advise Experian to send me my " FILE '' expeditiously or LITIGATION will be brought upon them for violating my consumer rights.

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 2022-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: GA

Complaint narrative:
[ person whose name appears on agency 's notice to you ] : Thank you for your recent inquiry. This is not a refusal to pay, but a notice that your claim is being disputed. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. 

Be advised that I am not requesting a " verification '' that you have my mailing address, I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. 

You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law. You may wish to consult with a competent legal advisor before your next communication with me.

Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: WI

Complaint narrative:
In XXXX of XXXX, I believed I was in a forbearance/deferment of my student loan with a total of {$5600.00} through Firstmark Services as requested, as I had newly started a XXXX  program. Unfortunately, in XXXX of XXXX, in checking my credit report, I realized I had multiple payments that were late ( dating XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX ) and that I was in fact not in forbearance as I requested in XXXX of XXXX. This resulted in late fees. In XX/XX/XXXX, I received a phone call that I had missed payments and needed to make my account current. I made a payment on XX/XX/XXXX for {$400.00} and noted to the representative that I believed I was in a forbearance due to my enrollment status in my XXXX  program, but didnt want a negative impact on my credit so I would make a payment, but I asked to speak to someone about why my forbearance was not in effect. I was told that someone would contact me, but did not hear back in any forms of communication. In XXXX of XXXX, I double-checked on my account, and realized I was again not in forbearance as I had requested. I made a payment on XX/XX/XXXX as to not receive negative remarks on my credit report. Again, I made a call to Firstmark Services ( date unknown ) to check in to see why my account status was not in deferment/forbearance. I was told it would be taken care of, as they saw my request in XXXX of XXXX and were confused themselves, given my enrollment status in my XXXX program. 

I did not receive a call back from Firstmark, and went on to believe that my payments were deferred, given my last conversation with the representative in XXXX. 

After checking my credit report in XXXX, I saw the derogatory remarks. Immediately, I contacted Firstmark services and inquired on this. To not impact my credit any further, I made a payment on XX/XX/XXXX for the total of {$320.00} to make my account current. The conversation at that point is detailed below : Firstmark claims to have contacted me via phone and mail regarding late payments in XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, but I did not receive any of the communication ( phone, email or mail ) that they claimed to make. In XXXX, I requested to reverse the missed late payments and remove derogatory marks from my credit reports in all of XXXX, as I was told misleading information about the status of my account. Repeatedly, my request was denied. I continued connecting with Firstmark three different times with requests to remove the derogatory marks, and they persisted that I was to blame, that they had done their part to contact me. 

I have since paid the loan in full so I no longer have to deal with Firstmark Services. The full payoff was made on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Upon recently viewing my consumer report I noticed many inaccuracies. On XX/XX/2022, I XXXX XXXX sent via certified mail to XXXX, Transunion and XXXX letters asking them to please delete all old and previous items from my personal history for fear of identity theft and to remove all old employment and education history. 

I've only received a positive response from XXXX, who removed the old information and used the current information I provided. I feel like I'm being taken advantage of, and my disputes ignored by Transunion and XXXX. 

FCRA 611 ( a ) clearly states failure to investigate the items within 30 days give reason to immediately delete the items from my consumer report. Its my right as a consumer to have proper, current information on my report.

I demand old, irrelevant personal information be deleted immediately, or I will file for litigation due to the stress Ive undergone for fear that my information may fall into the hands of the wrong person creating further XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rausch Sturm LLP
State: WI

Complaint narrative:
A third-party debt collector purchased a debt that doesn't belong to me. I notified them that it was not my debt and I disputed it. On XX/XX/XXXX, the company filed a suit against me in the state of Wisconsin for the amount of {$17000.00}. The company claims to represent the original creditor, yet has provided no contract, or affiliation agreement showing proof of this claim. The company has also failed to provide me with a contract containing my signature, which they claim to have. On two separate occasions, on XX/XX/XXXX, and XX/XX/XXXX, both via certified mail, I've requested this contract. I am now going through litigation and court proceedings as a result.

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 2022-03-30 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: CBC Companies, Inc.
State: CA

Complaint narrative:
On XX/XX/2022 XXXX USA company used my social without my authorization. FACTUAL DATA Is another company and XXXX. Also XXXX  XXXX XXXX. 
Please remove all the credit inquiries I did not made starting the month of XXXX, so my 3 credit bureaus are not hurt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
United Collections Bureau XXXX is attempting to collect a debt that is inaccurate and false. Please remove this account from my XXXX, XXXX, and XXXX credit reports and force United Collections Bureau to cease contact with me.

Company response to consumer: Closed with explanation