vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-31 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: CA

Complaint narrative:
Regardless of the multiple written requests, the account listed below is still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, TRANSUNION, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 

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 2022-01-31 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: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and haven't received any results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31 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: TN

Complaint narrative:
Experian is not cooperating with my written request of me asking for verification methods for the 3-5 bankruptcies that are still reporting on my report. These are not active bankruptcies and my other derogatory accounts are apparently unverifiable as well. Experian also has only responded with verification generic responses. I have not received any response from the courthouse nor other creditors with their assistance. I have been writing Experian since XX/XX/2021 about these derogatory accounts and their reporting errors and they have yet to provide me with any proof of validation and verification. Therefore I'm asking for assistance from CFPB with 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 explanation
Consumer complaint received 2022-01-31 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: IN

Complaint narrative:
I have a fraudulent Bankruptcy account on my credit report that I did not authorize and Trasunion are violating my consumer rights according to the Fair Credit Reporting Act. 15 U.S.Code 1681 ( 1 ) ( 2 ) - CRA 's need written instruction to make a consumer report by the consumer. It is a fact that I the " consumer '' never gave the credit reporting agency any written permission to furnish a consumer report. Without my written consent the consumer reporting agency is committing fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition identity theft is being committed. 15 U.S.Code 1681-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information about a consumer if the person knows or has reasonable cause to be inaccurate. I the " consumer '' disputed the fraudulent accounts on my credit report and I have made it clear that this information is is inaccurate.The credit reporting agency proceeds to furnish this information without any lawful authority and is violating my consumer rights granted by the constitution. I also contact the U.S Court and they informed me they did not furnish this information to Transunion. If my issue is not resolved I will seek remedy and will move forward in the court of law.

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 2022-01-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: CO

Complaint narrative:
I terminated my account with XXXX XX/XX/2021. I paid off phones and then changed carriers. I then was provided XXXX shipping labels by XXXX  for two signal boosters and one warranty issued phone. I sent back the three items with the shipping labels provided. All tracking numbers sow that the equipment was received by XXXX and signed off by a XXXX employee when it was received. Despite this fact and my providing these tracking numbers to XXXX they continued to try to collect the debt which was not owed in the amount of {$690.00}. After 10 plus calls and 15 hours on the phone with off shore XXXX employees I could never get them to admit they received the equipment and that their employees either lost or stole the items. I was told that they were opening an investigation or that they were escalating it to a manger. Nothing ever changed. They then sent my account to a collections agency by the name of Amsher Collection Services. I disputed the claim with Amsher Collection Services but they said that XXXX verified the account. An Amsher Representative told me that as long as I paid something like installments on the debt that it would not be reported to my credit. Come to find out that they lied and it was reported to my credit. This was not a valid debt and the proof provided to both XXXX an Amsher clearly show this is not a true debt. The both received the copies of the XXXX tracking numbers that show the equipment was received. They are both in violation of state and federal law for attempting to collect an invalid debt, threatening credit reporting and misinformation. They have destroyed my credit by reporting a false debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: GA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my credit report, and I noticed an account on my consumer report that should not be there. 
Mariner Finance {$2200.00} XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681a 2 ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( Mariner Finance ). Making the report is NOT INCLUDED on my consumer report! Debtor ( Mariner Finance ) issuing credit ( installment loa
n ) to the creditor ( ME ) is a transaction that is illegally reported on my consumer report by the person ( Mariner Finance ) making the report. CONGRESS clearly states that the reporting of Transactions or Experiences between the CONSUMER and the PERSON making the report should not be included on my consumer report! 
Mariner Finance HAS VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience on my consumer reports which CONGRESS clearly states is NOT INCLUDED on my CONSUMER REPORTS.

You have 10 calendar days to DELETE THE ACCOUNT ON MY CONSUMER REPORT AS THE ACCOUNT SHOULD NOT BE REPORTED ON MY CONSUMER REPORT ACCORDING TO FEDERAL LAW UNDER THE FCRA. 



Failure to respond satisfactory with the deletion of the above account, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance- 616 Civil Liability for willful noncompliance [ 15 USC 1681n ] Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: CA

Complaint narrative:
Regardless of the multiple written requests, the account listed below is still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EQUIFAX, XXXX, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 

XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander USA was illegally given out loans to customers like myself without proof of income. I bought the car unfortunately it was involved in a accident total loss. Insurance company paid 100 % of balance. Santander accused me of owing then {$1500.00}. I was involved in a class action national lawsuit against Santander USA and received a settlement check. However I want Santander to remove the negative information they say I owed from all three major credit companies. XXXX, XXXX and XXXX. I have hired a law firm to help remove the Santander negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: PA

Complaint narrative:
Hi, My name is XXXX XXXX. I live at XXXX XXXX XXXX XXXX PA XXXX. 
I am contracting the bureaus Experian today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal trade Commissions identity theft affidavit.

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 2022-01-31 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: ACIMA CREDIT, LLC
State: NV

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and haven't received any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: TX

Complaint narrative:
To this date, XX/XX/XXXX I have been writing and going back and forth with XXXX for the past 1.5 years ( since XX/XX/XXXX to be precise ) about derogatory accounts on my reports. I have been nothing but fair to this company with the patience I've had so far. I have sent in multiple requests asking them to provide me with paperwork stating whom they have spoke with and how are they verifying this unverified and unverifiable accounts on my credit. I have not received anything from the original creditor ( s ) for these accounts. XXXX are still reporting XXXX XXXX XXXX XXXX XXXX  without any responses besides the generic " verified '' automated letters that I've been receiving for the past almost two years.

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 2022-01-31 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: VA

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 XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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 XX/XX/XXXX. And now we are in the month of XX/XX/XXXX 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. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-01-31 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:
XXXX XXXX was illegally given out loans to customers like myself without proof of income. I bought the car unfortunately it was involved in a accident total loss. Insurance company paid 100 % of balance. XXXX accused me of owing then {$1500.00}. I was involved in a class action national lawsuit against XXXX XXXX and received a settlement check. However I want XXXX to remove the negative information they say I owed from all three major credit companies. XXXX, XXXX and Transunion. I have hired a law firm to help remove the XXXX negative information.

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 2022-01-31 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:
XXXX XXXX was illegally given out loans to customers like myself without proof of income. I bought the car unfortunately it was involved in a accident total loss. Insurance company paid 100 % of balance. XXXX accused me of owing then {$1500.00}. I was involved in a class action national lawsuit against XXXX XXXX and received a settlement check. However I want XXXX to remove the negative information they say I owed from all three major credit companies. Equifax, XXXX and XXXX. I have hired a law firm to help remove the XXXX negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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:
XXXX XXXX was illegally given out loans to customers like myself without proof of income. I bought the car unfortunately it was involved in a accident total loss. Insurance company paid 100 % of balance. XXXX accused me of owing then {$1500.00}. I was involved in a class action national lawsuit against XXXX XXXX and received a settlement check. However I want XXXX to remove the negative information they say I owed from all three major credit companies. XXXX, Experian and XXXX. I have hired a law firm to help remove the XXXX negative information.

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 2022-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: HW Holding, Inc
State: WA

Complaint narrative:
Hi my name is XXXX XXXX and I was living in XXXX XXXX XXXX and I had to leave because I couldn't afford it anymore at the time because of work issues. When I left I cleaned up the apartment and left in good terms with them other then that i was behind 3 months of rent, which with the late fees came to around XXXX XXXX it is in collection right now with hunter Warfield for around XXXX XXXX. It's unfair for them to add that much it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
To Whom It May Concern : I've been trying to fix an issue with XXXX, XXXX, and XXXX about Midland Credit Management. They all have been using stall tactics. They simply ignore and do not reply to my request. Please help me fix the matter. 

Thank you. 


Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: VA

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 XX/XX/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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