vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-17 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: NY

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
DIRECT TO EXPERIAN : According to my consumer report I received dated XX/XX/XXXX, I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX XXXXXXXX XXXX XXXX XXXX, oXXXX XXXX such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX XXXX  XXXX XXXX and XXXX, and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX  XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 3. XXXX, XXXX, XX/XX/XXXX Any information listed on my consumer report must be verified or immediately removed. I am due for a thorough and proper investigation. Please send me any information regarding my request and an updated consumer report showing that the abovementioned demands have been met.

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 2022-02-17 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: FL

Complaint narrative:
XXXXXXXX XXXX XXXX  Open date : XX/XX/XXXX {$1200.00} XXXXXXXX XXXX XXXXXXXX Open date : XX/XX/XXXX {$1700.00}

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 non-monetary relief
Consumer complaint received 2022-02-17 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: NC

Complaint narrative:
I already sent Debt Validation ( XXXX Letters ) dated XX/XX/2022 for the items listed under my account which is inaccurate and is giving a bad impact on my credit report. I also sent another letter for the method of validation. It's been more than 30 days and I haven't received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: OH

Complaint narrative:
I have an unverified account from XXXX XXXX  and XXXX XXXX I had previously disputed this account. I have never done business with XXXX XXXX and XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( XXXX ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that XXXX XXXX and XXXX XXXX  provide verification of the following : XXXX. The original Application or contract ; XXXX. Any and all statements allegedly related to this debt ; XXXX. Any and all signed receipts ; XXXX. Any and all canceled checks ; XXXX. Original date of default and collection activity begin XXXX. Whether you purchased the debt, and if so, the amount paid for the debt XXXX. The date ( XXXX ) the debt allegedly accrued ; XXXX. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that _XXXX XXXX and XXXX XXXX  Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I made multiple attempts to reach out to this collection agency. Ive been super busy with my family and working hectic hours I had some downtime today and decided to fold a complaint. Attached is the letter I sent months ago asking this company to validate the debt. I never received a response to continue reporting a debt and failing to validate is a violation Im asking for an immediate removal of account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I was denied an apple credit card on the date of XX/XX/XXXX through the bank Goldman Sachs which is extremely inconvenient due to the fact I am the original creditor pursuant to 15 U.S.C. 1692a ( 4 ). I know that it is unlawful for alleged creditors to discriminate to consumers in the midst of a credit transaction pursuant to 15 U.S.C. 1691 ( a ). I am aware of the duties of the bank taking adverse action, the XXXX was unable to provide me with specific information regarding why the adverse action was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
DIRECT TO EQUIFAX : Please be advised that as of XX/XX/2022 as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see the below inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Equifax to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the abovementioned inquiries within 15 days of receiving this letter. It is your duty to accurately report information and as of now you are not doing that. I look forward to Equifax resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file I will file a dispute against you in small claims court seeking remedy for said violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting multiple addresses on me that are incorrect, multiple variations of my name that are incorrect, and multiple inquiries that should not be there. I am a consumer ( definition-natural living person ) .Pursuant to 15 usc 1692 ( a ) ( 3 ) I am the consumer and I never gave ANY REPORTING AGENCY DIRECT WRITTEN CONSENT TO RPORT ANYTHING ON MY CREDIT REPORT. NO CONSENT IS IDENTITY THEFT pursuant to 15 usc 1692 C ( c ) ( 2 ). I am invoking my specified remedy as a consumer and the original creditor.

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 2022-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
Mr. Cooper/Nationstar purchased my mortgage from XXXX. The real estate taxes had already been paid. Mr. Cooper than paid the taxes a XXXX time causing my escrow to go negative. This was back in XXXX. Many calls have been made to rectify this situation. Every time I call they admit fault on their end but nothing is done. Now there is an XXXX analysis and due to a shortage my atment is schedule to go up {$500.00} a month. I feel like their phone reps just say whatever the need to to get me off the line!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Renton Collections Inc.
State: WA

Complaint narrative:
Hi, last XXXX I started to receive call from " Renton Collection '' about a debt I have because of different XXXX XXXX I have received in the last 2 years. 

I paid every hospital bill, but they mention that I need to pay to the doctor network as well. 

I never received a bill for this and Renton Collection didn't send me a summary of this, I want to pay but need to validate where debt come from and why I didn't receive before, and now I need to lead with them instead of directly with the institution I received the service. 

Thanks

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
Upon pulling my credit report on XXXX XXXX I was surprised to see an entry from a company that I have never heard or done business with. I have not received any communication regarding this alleged debt and I have no idea where it came from. I am a victim of identity theft and I believe that this alleged owed debt may be due to that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
This is follow up to complaint # XXXX Navient XXXX XXXX trying to collect on a loan that was paid in full in XXXX  as confirmed by XXXX XXXX they are reporting false information and harassing my XXXX XXXX XXXX mother who lives in a senior facility. Who does this. Why wait years to collect. If something was owed say so XXXX years ago. You didnt because its not owed. Stop sending collection letters. Update our file. Report correctly to the credit bureaus both loans ending in XXXX and XXXX. Both were paid in full on XXXX They say {$2300.00} owed then send her collection letters for $ XXXX. What kind of illegal XXXX is this. Didnt you just get sued for illegal activity. This is why. You got your money. Stop trying to say you didnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: Kikoff Inc.
State: TX

Complaint narrative:
XXXX  reporting false information on my credit report this account does not belong to me and should be remove immediately the address and info is not correct ive have filed a police report and XXXX  report in regards to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
On XXXX of XXXX, Dynamic Recovery Solutions reported a debt to my credit report for {$350.00} from XXXX  Hospital. I was never a patient aXXXX XXXX Hospital, nor have I ever stepped foot into XXXX Hospital, so I disputed the debt through XXXX as not my debt. XXXX came back and stated the debt collector stated it was mine through a bill, so they were not going to remove the debt. On XXXX I mailed a debt validation letter through certified mail ( XXXX tracking # XXXX ) to Dynamic Recovery Solutions and they received the certified letter on XXXX. After XXXX days of no response from Dynamic Recovery Solutions, I mailed a second debt validation letter through certified mail on XXXX ( XXXX tracking # XXXX ) and they received it on XXXX. Still with receiving no response from Dynamic Recovery Solutions, I contacted them via phone on XXXX. After speaking with a representative of their company, they advised me they did not have the documents to validate the debt and that they were waiting on the documents from XXXX Hospital. I asked them to remove the debt from my credit report because they did not validate the debt within XXXX days of the first letter I sent, which they stated they did receive and the representative stated they would not and theyre waiting on the documents from XXXX  Hospital . At this time they have no validation of me being at XXXX Hospital, they do not have any documents with my signature on them accepting or approving treatment, and they have nothing stating I agreed to pay any bill with XXXX Hospital. Any help will be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harpeth Financial Services, LLC
State: GA

Complaint narrative:
Upon pulling my credit report on XXXX XXXX I was surprised to see an entry from a company that I have never heard or done business with. I have not received any communication regarding this alleged debt and I have no idea where it came from. I am a victim of identity theft and I believe that this alleged owed debt may be due to that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Creditors Bureau Associates
State: AL

Complaint narrative:
This is not my account I am writing you because I tried to handle this matter with the collection agency but they did not validate this debt that they say I owe. They only sent me a copy of a bill. They never sent me a validation under the fair debt collection practices act 15 UFCs 1692g. The amount is XXXX and the date was service was XX/XX/2019. I have never lived at the address on file or use the hospital for medical treatment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Amazon Chase approved a credit card allowing me to purchase a product through Amazon on XX/XX/2022. I received an approval email and received the card. XXXX business days later, they closed the account previously approved for the reasons that on XX/XX/XXXX, they approved the credit line. My credit file was unchanged during this time. They have not explained why or HOW the same credit profile within XXXX days was approved and unapproved. I am demanding an explanation or the specific criteria used in both instances. 

In addition, since they wrongly closed the account, I had no way to make a minimum payment online, I received the first statement with a late fee! So I had to mail a check. They have fraudulently closed this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc.
State: AZ

Complaint narrative:
I checked my credit report and noticed a few different inquiries I didnt give authorization to

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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:
I WAS A VICTIM OF IDENTITY THEFT BUT I'M NOT GETTING ANY HELP FROM THE CREDIT BUREAUS. I HAVE TRIED TO SUBMIT MY INFORMATION SEVERAL TIMES BUT THEY KEEP SAYING THE ACCOUNT IS VERIFIED AS BEING MINE.

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 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
Well what happen is that someone try to open an acct with XXXX XXXX, XXXX dept store, Indigo credit card and i did not apply on these places.and really do not know the procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: CA

Complaint narrative:
I WAS A VICTIM OF IDENTITY THEFT BUT I'M NOT GETTING ANY HELP FROM THE CREDIT BUREAUS. I HAVE TRIED TO SUBMIT MY INFORMATION SEVERAL TIMES BUT THEY KEEP SAYING THE ACCOUNT IS VERIFIED AS BEING MINE.

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 2022-02-17 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: CA

Complaint narrative:
I WAS A VICTIM OF IDENTITY THEFT BUT I'M NOT GETTING ANY HELP FROM THE CREDIT BUREAUS. I HAVE TRIED TO SUBMIT MY INFORMATION SEVERAL TIMES BUT THEY KEEP SAYING THE ACCOUNT IS VERIFIED AS BEING MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
The Financing company ( Acima Credit ) Allowed someone to pickup an order in my name and against my credit. I have filled a police report, as well as attempted hundred of methods of contact with this company, with no reply. My email is tracked, so i know they have opened and read my emails. I am trying to work with them, however they are refusing to work for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Plus Inc
State: AZ

Complaint narrative:
I checked my credit report and noticed a few different inquiries I didnt give authorization to

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My current address is : XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX Please remove these addresses that I have never lived or belong to a relative : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA 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 2022-02-17 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My current address is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX Please remove these addresses that I have never lived or belong to a relative : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX HWY XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA 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