vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After reviewing my credit report, I noticed some inaccurate accounts reporting. Especially accounts that were removed that should be consistent and removed from all three credit bureaus. I also noticed some student loans that were reporting that I have no knowledge of. They are duplicate accounts too, this is hurting me and it isn't fair. Please help me remove these negative and unauthorized items from my credit report. Enclosed are photos of my ID and a utility bill for address verification. In addition, I uploaded letters that I sent to the credit bureaus over 40 days ago. I haven't gotten an update on results nor have I even got a response.

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 2021-01-18 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: Sarma
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2019, SARMA Inquiry : XXXX. XXXX, 2019, XXXX XXXX XXXX : XXXX. XXXX, 2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: VW Credit
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2019, XXXX Inquiry : XXXX. XXXX, 2019, VOLKSWAGEN CREDIT Inquiry : XXXX. XXXX, 2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: NV

Complaint narrative:
On XX/XX/2020, I contacted the Three Major Bureaus concerning Chapter XXXX Bankruptcy reported on my credit report. The Bureau sent me a letter, stating that they received the information from the United States Bankruptcy Court, District of Nevada, yet I received a letter from the Bankruptcy Court that they did not send any information to the Three Major Bureaus, therefore they are reporting incorrect information ( see attach ). Also they stated that they receive the information from XXXX XXXX, yet I contacted XXXX XXXX and was told that my account was frozen ( see attach ). Therefore when I requested proof to accuracy of Bankruptcy, the bureau could not provide me that information, and it's been well over the allotted 30 days that the bureau has to validate ( no verified ), according to the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and are in violation of several of the General Rights and Obligations of XXXX, including XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX and 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 2021-01-18 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: NV

Complaint narrative:
On XX/XX/2020, I contacted the Three Major Bureaus concerning Chapter XXXX Bankruptcy reported on my credit report. The Bureau sent me a letter, stating that they received the information from the United States Bankruptcy Court, District of Nevada, yet I received a letter from the Bankruptcy Court that they did not send any information to the Three Major Bureaus, therefore they are reporting incorrect information ( see attach ). Also they stated that they receive the information from XXXX XXXX, yet I contacted XXXX XXXX and was told that my account was frozen ( see attach ). Therefore when I requested proof to accuracy of Bankruptcy, the bureau could not provide me that information, and it's been well over the allotted 30 days that the bureau has to validate ( no verified ), according to the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and are in violation of several of the General Rights and Obligations of XXXX, including XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: Credit Plus Inc
State: KS

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, XXXX XXXX XXXX  add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, CREDIT PLUS add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX XXXX  XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have already told this company numerous times that I withdrew from the college classes within the 30 day period, the school refunded the loan to the lender, but they are threatening to garnish my wages. I did not complete the classes, I withdrew from them within 30 days, I do not owe any student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have attempted to contact Bank of America on numerous occasions regarding an account that has been reported as a collection account on my credit report for the past 90 days and continue to have the same issue not be resolved. I have explained to their representatives that the account was included in a Chapter XXXX in XXXX and needs to be updated. Each time the account rep notifies me that they have logged the case to be reviewed by their credit department and once completed I will receive a letter in the mail with the results. Unfortunately, I have yet to hear back from anyone at BofA. 

I called again on XX/XX/XXXX and was left on hold for over 30 minutes only to have the call terminate. I continue to provide information to their call center representatives to log the dispute and unfortunately I never hear back. This afternoon I learned they never even updated my contact information from any of the calls I have placed I have explained the error in the reporting to be a violation of FCRA laws and needing to have this remedied but seems that no one in the organization I speak with takes any of my claims to be valid or serious.

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 2021-01-18 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: FC HoldCo LLC
State: OH

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. FLAGSHIP CREDIT ACCEPTAN Inquiry : XXXX XXXX, 2020, XXXX XXXX Inquiry : XXXX XXXX, 2020, XXXX XXXX Inquiry : XXXX XXXX, 2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

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 2021-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
This account is not accurate CONVERGENT OUTSOURCING # XXXX. My bill was PAID IN FULL XX/XX/2021 directly to XXXX XXXX. I do not have any contracts with CONVERGENT OUTSOURCING. This account has no business being on my credit file.

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 2021-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This account was opened fraudulently. I was trying to apply for an apartment when I got denied because of a collection on my account I was unaware of and thats how this account was brought to my attention. I know nothing of this account and Im on the verge of being homeless because I cant get approved anywhere. I tried disputing this account but it comes back as account accurate. Its disgusting how a system can determine whether or not an account is yours without getting the facts. Its not my account and this is ruining my life. This is not the first account that was opened fraudulently and I was able to get that removed from my report. I will attach the account that was removed because of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Glass Mountain Capital, LLC
State: OR

Complaint narrative:
Got a text from Glass Mountain Capital LLC about their attempt to collect a debt. I have no debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have already told this company numerous times that I withdrew from the college classes within the 30 day period, the school refunded the loan to the lender, but they are threatening to garnish my wages. I did not complete the classes, I withdrew from them within 30 days, I do not owe any student loan debt.

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 2021-01-18 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: FL

Complaint narrative:
I have already told this company numerous times that I withdrew from the college classes within the 30 day period, the school refunded the loan to the lender, but they are threatening to garnish my wages. I did not complete the classes, I withdrew from them within 30 days, I do not owe any student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have already told this company numerous times that I withdrew from the college classes within the 30 day period, the school refunded the loan to the lender, but they are threatening to garnish my wages. I did not complete the classes, I withdrew from them within 30 days, I do not owe any student loan debt.

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 2021-01-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent a letter to the credit bureau to dispute and investigate questionable information on my credit report but have not received any response. The company only updated my personal information I requested and not the inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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:
I notified the bureaus that the information that is being reported is not only inaccurate but also a violation of my federally protected rights as a consumer and they continue to report the information continuing to cause irreversible damage to my reputation as well as causing financial harm to me as a consumer.

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 2021-01-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
After reviewing my credit report, I noticed some inaccurate accounts reporting. Especially accounts that were removed that should be consistent and removed from all three credit bureaus. I also noticed some student loans that were reporting that I have no knowledge of. They are duplicate accounts too, this is hurting me and it isn't fair. Please help me remove these negative and unauthorized items from my credit report. Enclosed are photos of my ID and a utility bill for address verification. In addition, I uploaded letters that I sent to the credit bureaus over 40 days ago. I haven't gotten an update on results nor have I even got a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it. Yes, if it has been 30 days since the final payment resolving your account successfully posted, XXXX requested the credit reporting agencies delete the XXXX tradeline related to your account from your credit bureau report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I have submitted 2 disputes online to remove an account I am not responsible for, did not authorize and has been explicitly outlined in my divorce decree. I disputed the JPMCB credit card opend in XX/XX/XXXX and account - JPMCB CARD SERVICES # XXXX in XXXX and in XXXX. Both times it has not been removed and as of XX/XX/XXXX the account has been updated to show it is a current charge off when it was originally charged off in XXXX by my ex-spouse. It has now affected my credit score by 44 points and I will not be able to purchase a home. JP Morgan Chase has been indifferent and condescending and careless in their innacurate posting and accountbaility of this account and hold me resposnsilbe and reported on my credit when I have zero to do with this card and never authorized them to have my info or place me on this account. 

I need JP Morgan Chase to remove this info immediately from my credit reporting, it is affecting my houseing and livelyhood. Finance companie or banks or any company for that matter should not have this much power and inlfuence in the lives of citizens, in particular when they are not responsible for the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: Millco Management
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
I disputed this alleged repo with Santander and sent my dispute through the USPS Postal service certified mail on " XX/XX/2020 '' and received no response this is a violation under the " Fair Debt Collection Practices Act '' Although they ( Santander ) did indeed sign for my dispute letter.

Company response to consumer: Closed with non-monetary relief