vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-19 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK 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 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 2022-02-19 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: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I need to report LVNVFUNDING LLC for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was late 120 DAYS and not show in the payment history their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX 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 2022-02-19 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: IN

Complaint narrative:
XXXX is reporting two separate debts they're claiming that I owe. I have not used them as my insurance company and have been steadily insured by the same company through the period in which they're trying to claim a debt for. They've sold the debt to a collection agency which is harassing me by placing new collections on my credit report every other day. My score has dropped over XXXX points in the last 20 days!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On the date of XX/XX/XXXX, I applied for an auto loan by extending my credit to NFCU. I did the consumer transaction thinking that I was in good hands, until it came to my attention that the bank committed fraud. The fraudulent activity that I am referring to is the finance charge. It is very dissatisfying that NFCU committed fraud since I am the original creditor and extended my credit for the consumer transaction pursuant to 15 U.S.C. 1692 ( a ) ( 4 ). The finance charge is what I believe deceived me into thinking I was making a good decision with the transaction. Pursuant to 15 U.S.C. 1605 the finance charge is the sum of all charges. The payments gave me a lot of trouble during the year XXXX ( Covid-19 outbreak ) because of the lack of work as well as the virus itself. In addition, the effect the payments had on me took a toll on my mental health because, I went into a XXXX, I was not able to provide for myself as well as help my mother out with her rent. Also, the inconvenience of it all is what caused me to not have confidence in myself to get a job because I couldnt afford a haircut, gas for my car, or interview clothes to even see if I could get an essential worker job. Therefore, since the insurance was not included the contract is void pursuant to 15 U.S.C. 1605 ( a ) ( 5 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
Hello, My loans are showing as having late payments. I found out when the mortgage company sent me my credit report. One loan has 5 late payments and all the others have one late payment reported. My loans were in a grace period or Administrative forbearance during the time the late payments are reported. I have attached the dates to this and also the information AidVantage sent me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I am who I am fact. I am the original creditor and Citi has violated Federal Regulations during Covid 19. Pursuant to the FCRA 623 - 15 USC 1681s-2 ( F ) ( i ) ( II ) ( bb ) I was never late and this item is supposed to be counted as current pursuant to 15 USC 1681s-2 ( ii ) ( I ).

There are also multiple billing errors that I noticed under 15 USC 1666 ( b ). This has defamed my character during tough times while I was fighting my heart out during college and Covid. 

Citi, XXXX, XXXX, and XXXX has had complaints filed against them and I hope you can help me out.

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 2022-02-19 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 Convergent Accounts XXXX XXXX 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 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 2022-02-19 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2022-02-19 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: MARINER FINANCE, LLC
State: MO

Complaint narrative:
XXXX ( CRA ) have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account MARINERFIN. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: IL

Complaint narrative:
XXXX XXXX is saying I owe {$430.00} but the paper they sent me as their proof clearly say the individual was a female on the paper and the address said somewhere I never lived and I will attach the proof and my ID showing and saying Im a male with my proper address I been living for the last 11 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19 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: IL

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To Whom It May Concern : I have just received my credit report and noticed there are several inaccurate items on my report as follows : I request that you remove immediately the following fraudulent inquiries from my credit report. 

XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX I never authorized any of those inquiries and when I requested proof from the creditor, they were unable to provide me with any proof otherwise ; therefore, it is the credit bureaus responsibility to remove them. 

I anticipate your response and an updated copy of my credit report. 
I have enclosed a copy of my Drivers License showing proof of my current address as proof of identity. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: AES/PHEAA
State: NJ

Complaint narrative:
I had been making monthly payments of {$60.00} a month to Fedloan. From XXXX XXXX-XXXX XXXX they were not posting my payments to my loan. A total {$480.00} that was sent to them over those months was not applied to my balance. When I had tried to contact them there was no getting through on the phone and my emails were met with automated responses that had nothing to do with the issue. My loan is now under another creditor and my balance is still incorrect due to Fedloan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act Experian, 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 XXXX XXXX  has been reporting inaccurate information on my credit report. 
and the credit bureaus won't delete the account thats in violation of my rights I am a victim of identity theft. I disputed fraudulent inquiries on XX/XX/2022 and Experian won't remove them either. This is defamation of character.

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 2022-02-19 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19 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 XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX BANK 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 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 2022-02-19 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX. States I have the right to privacy XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : 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 explanation
Consumer complaint received 2022-02-19 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 name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$7000.00} ; XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$87.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$630.00}

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 2022-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
In XX/XX/XXXX I was contacted by debt collector " XXXX XXXX XXXX  '' in regards to an alleged debt of {$560.00} from creditor : XXXX XXXX Co of NY. After requesting verification of debt from the above listed company and not receiving anything from them, I filed a complaint against them via the CFPB portal ( complaint ID XXXX ). " XXXX XXXX  XXXX  '' as well as another collections agency, " XXXX XXXX XXXX '' were both falsely reporting to the three major credit bureaus that I owed different debt amounts to this creditor : XXXX XXXX Co of NY ( Complaint ID XXXX ). After disputing both companies via the CFPB portal and filing complaints, they were both resolved and both companies removed the false collections accounts from my credit reports. 
On XX/XX/XXXX I was contacted by " Sunrise Credit Services Inc '' in regards to the SAME ALLEGED DEBT! The Creditor this time is referenced as : XXXX XXXX for the debt amount of {$560.00}. I am being harassed for a debt that is NOT MINE and I have now been contacted by this third collections agency in regards to this debt. This debt has already been disputed, dismissed, and resolved. This third collections agency is also requesting payment via western union or moneygram????!!! Im tired of being harassed for a debt that is not mine.

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 2022-02-19 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: OneMain Finance Corporation
State: MO

Complaint narrative:
The XXXX credit reporting agency is reporting inaccurate information on the account ONEMAIN. Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. The charge off period reported is not accurately reflected in the policy. The data furnisher has breached the policy & are reporting this information inaccurately. Secondly the FCRA, which requires all reporting to be 100 % accurate, is not being adhered to legally. Since this account information is NOT 100 % accurate it must be deleted from the CBs report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 non-monetary relief