vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-03 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: MARINER FINANCE, LLC
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft MARINR FINC Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: Skopos Financial, LLC
State: AL

Complaint narrative:
Per my divorce decree order on XX/XX/XXXX, my spouse was ordered to refinance into her name the vehicle listed of XXXX XXXX XXXX within one year of our divorce. The vehicle is still being reported as late on my credit record and continuing to affect my creditworthiness. Amount due currently reporting on my credit record is {$10000.00}. I have been unable to resolve this issue with creditor and credit bureaus.

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 2021-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have had an account with Capital One for years. They solicited another offer which I accepted. I paid the balance in full as always and they placed a 30 day hold on my card saying it was for " internal processes ''. I asked if they could share in writing, they said they can not. I asked for the terms and conditions of my card, they refused to provide them saying I was them provided when I signed up. I show available credit of {$5.00} on a {$750.00} credit line. 

I asked who monitors credit card agencies, what federal agency. The agents supervisor told her she can not answer that question. 

Payment made XX/XX/XXXX {$710.00} Card available for use on XX/XX/XXXX per their hold which they refuse to share what the hold is for aside from vague " wait for payment to process answers ''. 

How is this helping my credit? Why can I as the card holder have no information on the hold placed on my card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03 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: TX

Complaint narrative:
On XX/XX/XXXX my banker called to tell me I had a debt collection on my credit report that was new. I logged in and found a {$470.00} collection from XXXX being collected by Sunrise Credit Service. Prior to being placed on my credit report, I had never heard of or was contacted by Sunrise or XXXX regarding this collection. I spoke with both companies that day and neither could find any records of ever attempting to bill me or contact me regarding it. On this same day I disputed the debt via XXXX and XXXX 's website. I also sent an email to Sunrise Credit requesting verification of the debt. Now, 11 days later I have yet to hear anything from Sunrise or XXXX. Per the FDCPA, they are required to send me a letter stating my rights to which I have not received. I would be glad to forward the original email I sent them, if requested. The facts - XXXX and Sunrise say I owe {$470.00} for services received from XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXXXXXX in XXXX, TX. I was never a guest in XXXXXXXX XXXX in XXXX and they can verify that. In addition, XXXX XXXX told me that I was one of 14 other people to receive erroneous charges on their credit report from XXXX. This is fraud on a large scale and should be investigated. I should mention that I live in the XXXX, TX Area, not XXXX, TX and we like the rest of the XXXX were on Covid lockdown during this time. I hope this is just a glitch in XXXX system, but their refusal to look into this matters smells of fraud.

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 2021-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: TX

Complaint narrative:
My first progress account is reporting the incorrect balance and updated outside of my statement cycle date I had a balance of {$0.00} on my statement date and it reported however on XX/XX/XXXX it updated with the credit bureau a balance of {$760.00} outside of my report date I am closing on a home in the next week and this had my my score drop 13 points

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: TX

Complaint narrative:
XXXX XXXX XXXX has furnished my student loan to credit reporting agencies without permissible purpose. Pursuant to 15 USC 1681b. ( a ) ( 2 ) I do not consent and i did not give consent to furnish this student loan on my consumer report. A consumer report is voluntary and i did not consent or volunteer for my information to be used publicly or privately. As a consumer and natural person in fact i believe that a fraud is being committed by Department of Education XXXX Pursuant to 15 USC 1602, 15 USC 1605, and 18 USC 8.

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 2021-09-03 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: TX

Complaint narrative:
XXXX XXXX XXXX has furnished my student loan to credit reporting agencies without permissible purpose. Pursuant to 15 USC 1681b. ( a ) ( 2 ) I do not consent and i did not give consent to furnish this student loan on my consumer report. A consumer report is voluntary and i did not consent or volunteer for my information to be used publicly or privately. As a consumer and natural person in fact i believe that a fraud is being committed by Department of Education XXXX Pursuant to 15 USC 1602, 15 USC 1605, and 18 USC 8.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: CT

Complaint narrative:
THIS IN NOT A DUPLICATE COMPLAINT AND THIS IS THE ACTUAL CONSUMER XXXX XXXX. 
Account in question has been deleted by XXXX  because in it unverified and invalid. 
I intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite several written requests, the unverified and invalid item listed below still remains on my credit report in violation of Federal Law.

Credit Reporting Agencies are required under the FCRA to have a copy of the origi
nal creditors documentation on file to verify that this information is mine and is correct. 
In the results of your XXXX  's investigation and subsequent reinvestigation XXXX  stated in writing they verified that these items are being reported correctly? However they have refused to provide information on who Who verified this accounts? XXXX  has refused to provide me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Furthermore XXXX  has failed to provide the method of verification and validation as required under Section 611 ( a ) ( 7 ).

under Section 611 ( 5 ) ( A ) of the FCRA Credit Reporting agencies are required to promptly DELETE all information which can not be verified. 

This account has been previously deleted from my credit report and rereported. 

This account has been deleted by XXXX from my consumer credit report The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

XXXX XXXX XXXX XXXX {$430.00} XXXX attached are copies of both my transunion and XXXX  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 explanation
Consumer complaint received 2021-09-03 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: GA

Complaint narrative:
Last XXXX I've sent the dispute regarding those accounts used fraudulently. I am a victim of Identity Theft and it causes me a lot of stress. I need help to resolve this problem and achieve my financial goals. It's almost 60 days now but there's no response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: DISCOVER BANK
State: CO

Complaint narrative:
I received in the mail a student loan application from Discover on XX/XX/2021 in the amount of {$74000.00}. I did not apply for a student loan. The application had my current address, date of birth and social security number. It also had my incorrect phone number and incorrect email address. I contacted the Discover fraud department and the application was withdrawn and Discover will investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I found a non authorized transaction on my debit card paid in another state in a tire shop. I submitted a claim to my bank and my claim was denied twice, the last letter I received stated that the bank was able to determine that a counterfeit card was not used to make the disputed transaction. I called twice to contact the person who signed the letter, the first time he was not available and the person who took my call told me she will pass the message to him, the following day I called back again trying to reach the person who signed the letter, I was on the phone with the lady who took my phone call at the same time she was trying to reach the person by message and he told her his phone was disable at that moment and he can not talk to me, the lady who was with me at the phone assured me he will contact me back. 
I feel so frustrated by this situation because my bank assured many times no liabilities in reference to fraud charges, I feel I was treated unfairly and far from what I would expect from any customer service.

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 2021-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
I purchased a new phone from XXXX XXXX in XXXX of 2021. It was purchased at a company XXXX uses called ( XXXX ). The lady that sold me the phone deceived me with lies about XXXX giving me XXXX dollars for my old phone and promising me a XXXX gift card in addition to the sale of my old one. I didn't realize until after I had gotten home that I was duped out of my old phone because the receipt didn't show the XXXX dollar credit for my old phone. I couldn't go back because the place was closed and I was already informed that once my old phone was turned in I wasn't able to get it back. Days later I received an email about what my bills would look like and it was outrageous. A lot more than what I was quoted. I called customer service to get an explanation about the bill and the money I was suppose to get for my old phone. Reality set in that I was scammed out of my old phone when the lady told me the XXXX dollar GIFT card was the only thing I was getting for my phone. Not only that but when I was purchasing my new phone from XXXX  I specifically asked the lady that sold me my new phone if the the card was a Visa so I could purchase anything I wanted, but it was not. The card could only be used for XXXX  products. After three months of frustration, bad service and dropped calls I decided to pay off my phone and cancel XXXX all together. In retaliation XXXX sends me a bill for a month of service that I didn't use because they always bill a month in advance and they also want me to pay back the XXXX dollar ( GIFT ) card that they gave me. After refusing to pay they sent my bill to a collection agency called ( Convergent ) out of XXXX, Washington. These people have been calling me nonstop for weeks, sending letters and several emails. since I didn't respond they have resorted to harassing my wife by calling her too. I hope that no one else falls victim to this XXXX scam and I hope the CFPB can rectify this and get XXXX off my back.

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 2021-09-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
My Family and I were affected by the XXXX Pandemic and during that time was unable to keep up with the monthly payment. I entered into forbearance in XXXX and continued that program until XXXX. We began to make payments on the account and contacted the Customer Service team regarding errors in the information we were provided and inaccurate reporting to the Credit Bureaus. Those issues were resolved and we began the Loan Modification process. We provided all the documents request and awaited their response. We received an approved Loan Modification but we were advised that a penalty APR or fee would be applied to our loan for about $ XXXX to $ XXXX. This was assessed due to the 10months that we did not make a payment during the COVID forbearance period. It is very misleading and a predatory lending practice to not disclose that a fee of almost $ XXXX will be assessed while we were in the toughest time of our lives, dealing with the XXXX  and lost of family members due to XXXX. I feel like we are being taking advance of in this situation and have been treated unfairly.

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 2021-09-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have a loan with DEPT OF ED/NAVIENT. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX Credit Bureau with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: MD

Complaint narrative:
I, XXXX XXXX, XXXX in natural person, creditor, and consumer status MAKE OATH AND SAY THAT : I am providing this statement pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft sent on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
12 Student Loan Accounts All Starting with Account # XXXX Reporting 9 late or missed payments on each account beginning XX/XX/XXXX. 
Accounts show current status for XX/XX/XXXX but 90 days past due in XX/XX/XXXX. 
This is a clear error and incorrect as you can not be current in XXXX and be 90 days past due the following month. 
The accounts then show being current again in XX/XX/XXXX until XX/XX/XXXX and then 90 days past due in XX/XX/XXXX this again is incorrect and inaccurate information as this is not possible. 
This negative information is preventing me from securing new lines credit, employment and housing opportunities. 

I have disputed this information directly with XXXX, contacted Experian, XXXX, and XXXX  to have this information reported accurately but this information has not been updated. I am trying to avoid a legal suit but feel like this may be my only recourse. 

All balances : {$6200.00} {$7500.00} {$8600.00} {$11000.00} {$220.00} {$1500.00} {$4300.00} {$4100.00} {$6100.00} {$3900.00} {$1500.00} {$2500.00}

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 explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
This number keeps calling about a family member that does not even live with me. After repeatedly telling them they do not live with me, they continue to call and call all of my other relatives. It is predatory and must stop!!! They are calling on some made up charge for the wrong person even.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03 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: NC

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. My consumer rights state that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. 


1. XXXX XXXX XXXX Account Number : XXXX* 2. US DEPT ED Account Number : XXXX* 3. DEPTEDXXXX Account XXXX : XXXX 4. US DEPT ED Account Number : XXXX 5. DEPTEDXXXX Account Number : XXXX 6. US DEPT ED Account Number : XXXX 7. DEPTEDXXXX Account Number : XXXX 8. US DEPT ED Account Number : XXXX 9. US DEPT ED Account Number : XXXX 10. DEPTEDXXXX Account Number : XXXX 11. DEPTEDXXXX Account Number : XXXX 12. US DEPT ED Account Number : XXXX 13. DEPTEDXXXX Account Number : XXXX 14. US DEPT ED Account Number : XXXX 15. DEPTEDXXXX Account Number : XXXX I respectfully request to be provided proof of these alleged items specifically the contract, note or other instrument bearing my signature. 

Failing to do so, the items must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and since this represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: Nelnet, Inc.
State: TX

Complaint narrative:
Department of Nelnet has furnished my student loan to credit reporting agencies without permissible purpose. Pursuant to 15 USC 1681b. ( a ) ( 2 ) I do not consent and i did not give consent to furnish this student loan on my consumer report. A consumer report is voluntary and i did not consent or volunteer for my information to be used publicly or privately. As a consumer and natural person in fact i believe that a fraud is being committed by Department of Education Nelnet Pursuant to 15 USC 1602, 15 USC 1605, and 18 USC 8.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: GA

Complaint narrative:
Last XXXX I've sent the dispute regarding those accounts used fraudulently. I am a victim of Identity Theft and it causes me a lot of stress. I need help to resolve this problem and achieve my financial goals. It's almost 60 days now but there's no response yet.

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