vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-27 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: OH

Complaint narrative:
I have been a victim of identity theft. I recently reviewed my credit report to find request for my credit that I did not do. I am not sure who the person is & how they got my information but this is all Fraudulent request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capita lOne Bank On XX/XX/2021, I purchased, an item from an XXXX account an ORDER NO. XXXX for {$180.00} thereon XX/XX/2021, thereafter that I had returned the item as so stated herein this legal notice after, I had returned, the item XXXX had refunded me the money on XX/XX/2021 back into my Capital One account, card ending in XXXX therefrom that on XX/XX/2021, a Capital One officially had issued me a provisional credit for {$180.00} that was unrequested, by myself so as a result Capitol One has so stated that the funds in the amount of a {$180.00}, will hereby be deducted from my account card XXXX on XX/XX/2021, unreasonably when in fact the money should not be deducted from my Capital One account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Greetings, My name is XXXX XXXX, I sent 3 letters to LVNV Funding LLC regarding an unverified item listed below, which remains on my credit report in violation of Federal Law. I asked for a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. They never responded, I did not borrow money from LVNV. I demanded proof of a contract signed by me at the time of the loan signing agreement, they were not able to send me any proof. 
I demand that the unverified account be removed from my credit report on XXXX Account Name : LVNV FUNDING LLC Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting this account or if this account even belong to me. I have sent 4th dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate this account and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc.
State: GA

Complaint narrative:
Per the XXXX  report it claims on XX/XX/2020 I went to XXXX and was treated and was billed XXXX. 

This is simply not true. I did not go to the hospital at all during the pandemic. 

This is not the first time they have tried to put something on my credit report. Just this past XXXX I dispute it a {$300.00} charge that they claimed was mine from XX/XX/2020. When I disputed it, it was ruled that it was not true and taken off my report. 

I try to do the same thing for this one however they are telling me it is true and I know it is not. I feel that I am a victim of either discrimination or identity theft because this is not the first time this company USCB has tried to claim that I owe them. 

You can look at my credit report and see that I am a credible person and pay my debts to who is owed. It is very frustrating when every month I have to dispute a false charge. I feel I am being targeted at this point. 

Please advise, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: FL

Complaint narrative:
unauthorized use of my 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 2021-07-27 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:
unauthorized use of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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:
Fraudulent notifications about recently missed and late payments. This claim is part of claim # 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 2021-07-27 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: UT

Complaint narrative:
On XX/XX/2021 I sent a certified letter to Equifax requesting an dispute investigation pertaining to : 1. Customer statement : Delete second phone number XXXX XXXX XXXX XXXX, and maintain XXXX XXXX XXXX XXXX. 

2. Personal Information : Delete " former name '' XXXX. That was not my former name. 
3. Employers should be reported as XXXX XXXX XXXX XXXX 4. Accounts- a. XXXX XXXX ( XXXX ) Comment " High balance is the credit limit '' when the credit limit is XXXX and the high balance is {$0.00}. Please remove comment. 
b. XXXX XXXX XXXX XXXX XXXX ( XXXX ) Please delete because the date of last activity, date opened are reporting differently to every credit bureau. Does not meet FCRA. The creditor can not provide debt validation. 
c. DP of EDU ( 2554 ) - The date opened & date of last activity is reported differently to all credit bureaus, does not meet fcra. Please delete for inaccurate reporting. 

EQUIFAX HAS NOT INVESTIGATED WITHIN 30 DAYS, OR HAVE THEY COMPLETED A REASONABLE INVESTIGATION, THEY NEVER NOTIFIED OF AN INVESTIGATION STATUS OR RESULTS, THE DISPUTED ERRORS WERE NOT FIXED ON MY REPORT. 

I RESENT MY REQUEST FOR INVESTIGATION ON XX/XX/2021. I HAVE NO NOTICE OF INVESTIGATION STATUS OR RESULTS, THE INVESTIGATION TOOK MORE THAN 30 DAYS, THE DISPUTED ERRORS WERE NOT FIXED ON MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: CA

Complaint narrative:
XXXX XXXX XXXX -- DATE XXXX I NEVER OPEN SUCH ACCOUNT, I'VE ALREADY CONTACTED THIS ESTABLISHMENT. THEY INDICATED THAT I NEEDED TO CONTACT THE CREDIT BUREAU. 
XXXX XXXX XXXX XXXX I NEVER OPEN SUCH ACCOUNT, I'VE ALREADY CONTACTED THIS ESTABLISHMENT. THEY INDICATED THAT I NEEDED TO CONTACT THE CREDIT BUREAU. 
IM ALREADY A VICTIM OF IDENTITY THEFT.

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 2021-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
The schools that I had these loans with are closed. They have been closed for a long time. I spoke with some one from the US Dept of Education and she was supposed to get back to me and I haven't heard nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: Financial Data Systems
State: SC

Complaint narrative:
XXXX XXXX XXXX  XXXX has reported three separate accounts as delinquent on my credit reports with all three agencies. Not only did they report these accounts as delinquent on my account, they sent them to a collections agency who also reported the accounts as in collection on my credit reports. I have never received a bull or phone call from either of them. To make matters worse, when I called XXXX XXXX six weeks ago, I spoke with a supervisor who admitted to not sending any letters and also stated she would reach out to the collection company and have them and Sound Physician remove these three accounts from my report. I'm not sure why they reported these medical bills because these bills were accumulated on behalf of my special needs son who has XXXX and all of his medical bills are paid for 100 % by XXXX. The supervisor admitted to having spoken with XXXX and XXXX advised them to terminate the account. I have reached out to all three credit bureaus and filed disputes to no avail. My credit is ruined and I would like them to remove themselves from my credit report as they are knowingly reporting a lie to get paid for accounts XXXX has already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
On XX/XX/2021, I contacted Exeter Finance, LLC ( Creditor ) to dispute a missed payment listed on my credit reports. The account in question has been closed for over a year, as it was paid it full prior to the account monthly due date. 

30 days had passed with no response from the creditor, so I called them to inquire about the dispute, one representative said the dispute was never filed by them, and another representative who handles disputes stated the dispute was still processing. I informed the representative that they must remove the account from my credit report because they are time bared according to FCRA. An additional 30 days had passed and the creditor continued to report the account being late. I then received a letter from creditor by mail that was unrelated to my dispute asking if the matter was handled. On XX/XX/2021, I sent a certified demand letter giving the creditor 15 days ( XX/XX/2021 ) to delete the account from my credit report or I will elevate the matter to include legal remedies. On XX/XX/2021, my demand letter has been ignored and the creditor continues to report the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
On XX/XX/2021 Barclays Bank of delaware received my dispute which consist of me disagreeing with this alleged charged off account being on my credit report and also the alleged Balance on this allege charged off account I asked barclays bank to send me athe original contract and billing statements to see what was going on but before anything to follow 12 CFR 226.12C ( 2 ) - Special credit card provisions. Which Requires the alleged creditor to remove the account from my credit report while this dispute is taking place.

Barclays Bank of Delaware does not send me any SIGNED AGREEMENT which voids any sort of contract they are alleging according to Title 32 of South Carolina Code of laws SECTION 32-3-10 ( 5 ) of the stat
ute of frauds of South Carolina. " ( 5 ) To charge any person upon any agreement that is not to be performed within the space of one year from the making thereof ; Unless the agreement upon which such action shall be brought or some memorandum or note thereof shall be in writing and signed by the party to be charged therewith or some person thereunto by him lawfully authorized. '' Also barclays Bank of delaware did not remove the account off of my credit report According to 12 CFR 226.12C ( 2 ) - Special credit card provisions. This alleged creditor is not compliant to an requirement whatsoever

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 2021-07-27 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
XX/XX/2021 it started with amazon not refundin a return they recieved on XX/XX/XXXX so XX/XX/XXXX i filed a dispute synchrony bank wasnt doin anythign to try and resolve this onei sent in all my proof they didnt even review it after over 3 months they sidede with amazon until i got nasty but i was fortnuate to find a honest employee who looked it over then i was told id see the credit in 7 days nope more like 30 some days XX/XX/XXXX theres a XXXX charge on my card i was transferred to fraud dept they cancel the card isssued a new also issues XXXX credit XXXX they put the XXXX charge back on tryied sayin i file dispute wrong claiming i filed it as unrecognized wrong so fraud again another new card no credit for XXXX i called 2 weeks later i was told there were no open disputes of any kind so again i had to get nasty, im tried of being lied to i want the XXXX credited back to my account also they have told credit bureaus that i dont agree with their decsision and thats also hurting my credit ive tried many many times to resolve this i get no where ive got many emaisl from amazon and they being nasty over the first dipute i filed sayin they will make me wait longer for refund and i will regret it at first i really felt synchronoy was on my side but no i dont knw what to think my messages in my online acct have been deleted by an employee ive been hung upo on by several employessi been with amazon over 10 years no problemsuntil this year synchronoy liek i said i have no idea what to think iv been good payer never late always pay more than minum and yet this is how i get treated they claim its mistakes on their end but first time i was told it takes 90 days ok they made mistake i had to refile same dispute they say itlltake 90 dasys, no it shouldnt their mistake they can fix itless time than that and now im haviing to record and take photos wehen im in webstie viewin messages just in casae they are deleted againalso i wana just make note of this, because i kinda feel since amazon was revengful when i filed a dispute just in case sycnhrony gets mad about me filin this with you and the fact i been readin up on some bad customer service when a customer has a complint seems businesses are not reverrting to messin up peoples credit to closing accounts that are in good standin and have been in goos standing, so in case i become a victim to revenge due to me filing this i want it noted, if my credit is harmed due to this then im sayin it now i will take offense to it and will pursuethat as well but hopefully you guys can take over for me resolcve this with out any further issues, or reatailiations.i ve tried to get them to resolve this over and over and im gettin no where. thank you

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 2021-07-27 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I have trying to Get the XXXX AL address off of all of my credit reports for years! What is the problem. I've never lived their. I've never had mail delivered their. My x-wife lived their with her dad and step-mom as we were going through our divorce. I have lived in my house that I bought in XXXX since XX/XX/XXXX. I threw hew out. Filled her truck and told her to leave. Find me anything that ties to XXXX! 

XXXX XXXX. XXXX XXXX XXXX XXXX Is there a problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: NJ

Complaint narrative:
Be advised that on XX/XX/2021, XXXX XXXX obtained my consumer report without my authorization or permissible purpose under the FCRA. Promptly delete the unauthorized inquiry. Should you not delete the above unauthorized credit inquiry, I may refer this matter to an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: OH

Complaint narrative:
I called multiple times and explained to them that my boyfriends revolving accounts were showing up on my credit score and It lowered my score by 60 points and the supervisor XXXX was extremely rude, wouldnt listen to me and kept telling me there was nothing she could do and to call fico. And then fico told me only the credit bureau could fix the problem. Then when I called back AGAIN the same supervisor said she refused to answer my questions but kept saying I already answered that. even though she didnt and everything she was saying didnt make sense. Then told me she was going to hang up the phone on me instead of explaining to me why she couldnt and would not help me. She told me I couldnt speak to anyone higher up than her. She should not be representing a credit bureau. And I feel uncomfortable with her handling my personal information. Someone who cant handle pressure should not work in this line of work.

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 2021-07-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern : I submitted a Dispute Form to Experian with information showing the manager ( Mr. XXXX XXXX ) of XXXX XXXX Sales forged my signature on several documents. One document was a credit application. Experian told me the information I provided was forwarded to XXXX for an explanation. As of the writing of this letter, my credit file has not changed. Therefore, I assume XXXX has told Experian that I signed the credit application. 

Please consider this a complaint against Experian. It was my understanding that Experian would investigate this matter. I was never sure if Experian did an investigation. Experian stated the information I submitted to them was sent to the company for a response. Eventually, I believe Experian told me what they change was changed. Nothing changed on my credit file as a result of the dispute. 

I hope CFPB will hold Experian accountable and obtain the documents I am requesting. You may refer to Complaint ID XXXX for additional information. I give CFPB to act as my agent regarding this matter.

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 2021-07-27 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: LEXISNEXIS
State: MD

Complaint narrative:
I asked for a full investigation of a bankruptcy reporting to my credit file. I asked for documentation and proof of the investigation. I want to know the source of the information. I contacted the US Bankruptcy Court and was informed that they do not report to any other company or credit bureaus. The only one entity that could officially verify the bankruptcy has verified that they did not. So I am confused why LexisNexis is providing this information for it to be furnished to my credit report. If the US Bankruptcy Court did not report this and there was no permissible purpose to furnish this information then a bankruptcy should not be on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I recently attempted to apply for a Mortgage refinance with NFCU. When applying NFCU had a screen out process without allowing me to actually apply for a mortgage refinance. 


I was screen out of a mortgage refinance without ever having applied nor be given a fair opportunity to apply. I feel this is discriminatory.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation