vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-03 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The XXXX XXXX ( a/k/a XXXX XXXX ) account on my Experian credit report continues to be reported despite my numerous attempts to dispute this due to the inaccuracies in the information being reported. I hired an attorney to resolve this ( XXXX XXXX ) due to the violations of FCRA and a settlement agreement was entered that stipulated ALL reporting of this account was to be deleted from my credit bureaus. The other bureaus have deleted this account completely ( XXXX just completed their deletion XX/XX/31 ) per the settlement agreement provided in addition to the errors being reported ( date opened incorrect, sold to " XXXX '' is not correct, etc. ), but Experian continues to report this, which is a violation of the FCRA as the account is NOT accurate. I have notified Experian of this several times through the dispute process, but they continue to violate the FCRA by not deleting the obviously inaccurate account as required by law. 

Experian has clearly NOT validated this account as I have requested. This account should NOT be showing at all on my credit report. I need this deleted immediately, as I am currently being denied credit due to this significant inaccuracy. 

I am attaching the settlement agreement as well as the 3-bureau documentation showing the inaccuracies which require the prompt deletion of the account from my credit report. I am also attaching proof of their ( XXXX  XXXX ) fraudulent practices and numerous other formal complaints against this company. 

If it is not deleted promptly, the attorney I hired to resolve this issue before will be immediately retained to file suite against Experian and XXXX XXXX aka XXXX  XXXX for a proper resolution, which will include my attorney 's fees and damages incurred.

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 2022-01-03 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 — 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on 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 explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I submitted a dispute with Experian on XX/XX/XXXX stating that XXXX XXXX Acct # XXXX was past seven years from first date of delinquency. Experian sent me an email stating that all information was updated, I never received my result by mail and I did not ask for my results to be sent in an email. I have a report from XX/XX/XXXX showing first date of delinquency was in XX/XX/XXXX. I also have a report from XX/XX/XXXX that shows Experian removed the first date of delinquency that was previously reported in my XX/XX/XXXX report. Experian has violated my consumer rights. As of XX/XX/XXXX the XXXX  acct is still being furnished on my Experian credit report. Experian has violated 1681 ( a ), 1681c ( a ) ( 5 ), 1681e ( b ), 1681i ( 5 ) ( A ) ( i ), and 1681i ( 6 ) ( A ) of the FCRA.

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 2022-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
This Company has Unlawfully obtained my personal information and created an internal account and made me a debtor of said account. I have no relation with National Credit Systems. 18 U.S. Code 1028A- Aggravated identity Theft I did not give National Credit Systems Inc permission to report an acccount on my consumer file. They illegally used my social security number and other personal information against my will. 15 U.S. Code 1681b- Permissible purpose. If National Credit Systems believe they have permission or any contractual agreement to do so please provide proof immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: FL

Complaint narrative:
I have a closed/charged off account that keeps reporting current late payments but the account status is closed. This is a direct violation of my consumer rights. This misleading information permits me from not getting anything positive in my name and this information is also violating the FCRA Laws. Experian is reporting false information about me and out of respect for my consumer rights this account should be removed immediately or litigation will be involved. This XXXX XXXX  account was closed on XX/XX/2016, and charged off. Why is Experian reporting late payments, this is definitely false information and violating the FCRA. The other bureaus deleted this account because of the violations.

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 2022-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am a Capital One Credit Card holder. Capital One has tried to get me to upgrade my credit card for many years. I finally decided to apply for another Capital One credit card that I actually thought I would use and for which I would derive benefit based on my spending habits. I have a credit score of XXXX as of XX/XX/2022 per Capital One XXXX XXXX credit score tracking. I was told I could submit a soft application which would not affect my credit score. It was a fraction of a second after hitting enter that I received notice that my application was denied. This seems like a deceptive practice of bait and switch. Capital One apparently wanted to steer me into a specific credit card category and therefore denied me the credit card I wanted which required a lower credit score category than the excellent score I possess. In addition, I have a substantial credit line with Capital One and offered to share this credit line with a new credit card when I first broached the subject with Capital One last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I received an inquiry for work to be completed via email. I responded with an estimate and the client proceeded to fedex an official sun trust cashiers check. I received the sun trust cashier check XX/XX/XXXX. Upon receiving, I deposited the cashiers check of XXXX $ into my local branch and waited 2 days for the check to clear. Once the check cleared I proceeded to follow clients instruction and make payments to his material suppliers {$4900.00} under the assumption bb & t had verified the funds, which included {$2900.00} deposit into a scammers XXXX XXXX account and {$2000.00} into a Bb & t scammers account. On XX/XX/2021 the fraudulent sun trust cashiers check bounces and Bb & t takes my funds immediately rendering me scammed out of {$4900.00}. I have email and texts conversations, photos of fraudulent check and all who were involved. I had a feeling something wasnt right but was sure my bank would spot a fake before clearing the funds into my account especially after the SunTrust and Bb & t merge, I was wrong and payed the price dearly. I have banked with Bb & t for years and have been a loyal small business client. I thought they would have taken Atleast some responsibility on there lack of due diligence.

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 2022-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
XX/XX/XXXX, XXXX, & XXXX I sent emails to XXXX XXXX and XXXX XXXX requesting for my XXXX as I stated that : Amount written off : {$5400.00} Paid : {$20000.00} principal {$6000.00} interest accrued Contract Total paid XXXX {>= $1,000,000} financed Principal Paid : {$20000.00} 1 ) the vehicle needs {$14000.00} of work done. The vehicle is not worth that amount. 

XXXX ) Ally Financial has written-off the account. The amount owed is for interest and past due charges, not for the vehicle value. 

XXXX ) Spoke with XXXX on XX/XX/XXXX. He said they will not take the vehicle because it would be useless. Also stated, I expressed to them that the vehicle needs to be removed from my property because its a violation within my property management company to have abandoned, unused vehicles for an extended period which will create an expensive fine. 

I will not pay for interest that was written off and the value of the vehicle has been paid already and Ally refused to take the vehicle. 



The XXXX XXXX XXXX has been wrote off since XXXX. 

Please release the title and send a XXXX. 

At this point I will be filing bankruptcy if cant get resolved.

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 2022-01-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion dropped my score XXXX points for XXXX percent credit usage but only increased it XXXX points when the problem was fixed this not fair how many points they take but do not return them

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 2022-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
Dear AARGON AGNCY In regards to the account from XXXX XXXX, it has been brought to my attention that you claim that I owe {$14.00}. While I accept no responsibility for ownership of this debt as it is seven years old and should be deleted anyway, Im willing to compromise and offer a full payment settlement amount in exchange for your agreement to the following : Your agreement to the full and complete deletion of any past-due references pertaining to this account from all credit bureaus to which you report. 
Your agreement that this payment constitutes a paid in full account, and not a paid collection or settled account. 
Your agreement that you will not attempt to sell or reassign the rights to this account to another third-party debt collection agency after payment has been received. 

While Im well aware that your purpose is to collect debts that you have obtained from original creditors, I am also aware that you are under no obligation to report any of these accounts to the credit bureaus. 

That being said, your full cooperation in deleting this account in exchange for payment is appreciated. 

When I receive signed documentation from your authorized representative on company letterhead stating that you agree to the terms above, I agree to pay {$14.00} via certified funds either over the phone via debit/credit or e-check, cashiers check or money order. If money order or cashiers check is chosen as the option, the payment will be sent to you via priority mail as soon as I receive the signed agreement. 

Please be aware, that this is not a renewed promise to pay. I make no claim of responsibility for this debt, and I make no statement that I believe that this debt is valid or owed by me. 

In the event that you do not agree with the resolution terms I have offered above, I will move forward with my rights to request a full and complete verification and validation of this debt. 

I am also requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me verification and validation as well all documentation proving that I owe this debt ; and a copy of your license to practice debt collection in my state. Additionally, I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they can not report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. 

I look forward to a timely resolution of this matter. 

Regards, 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 2022-01-03 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this XXXX 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/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX - XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-03 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

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  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX IN CO ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : 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 2022-01-03 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 XXXX 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 XXXX 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 XXXX XXXX XXXX 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
Consumer complaint received 2022-01-03 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 — Their investigation did not fix an error on your report
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
The NET CREDIT ( a/k/a NC Financial ) account on my XXXX credit report continues to be reported despite my numerous attempts to dispute this due to the inaccuracies in the information being reported. I hired an attorney to resolve this ( XXXX XXXX ) due to the violations of FCRA and a settlement agreement was entered that stipulated ALL reporting of this account was to be deleted from my credit bureaus. The other bureaus have deleted this account completely ( XXXX just completed their deletion XX/XX/31 ) per the settlement agreement provided in addition to the errors being reported ( date opened incorrect, sold to " XXXX '' is not correct, etc. ), but XXXX continues to report this, which is a violation of the FCRA as the account is NOT accurate. I have notified XXXX of this several times through the dispute process, but they continue to violate the FCRA by not deleting the obviously inaccurate account as required by law. 

XXXX has clearly NOT validated this account as I have requested. This account should NOT be showing at all on my credit report. I need this deleted immediately, as I am currently being denied credit due to this significant inaccuracy. 

I am attaching the settlement agreement as well as the 3-bureau documentation showing the inaccuracies which require the prompt deletion of the account from my credit report. I am also attaching proof of their ( NC Financial ) fraudulent practices and numerous other formal complaints against this company. 

If it is not deleted promptly, the attorney I hired to resolve this issue before will be immediately retained to file suite against XXXX and Net Credit aka NC Financial for a proper resolution, which will include my attorney 's fees and damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

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 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 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