vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-12 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: OH

Complaint narrative:
These errors where sent on numerous of times and nothing has been done. I have sent letters to each company as well and nothing was even responded to. I have to seek and go the legal right I will. I have been reaching out for 6 months now. Also I sent a complaint through here On XX/XX/2022.

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 2022-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
On XX/XX/2022 I spoke with XXXX XXXX of National Credit Systems and requested a debt validation letter for an account in collections for {$530.00} for XXXX Apartments by mail or email. The debt validation letter was never received by mail or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Someone opened a capital one credit card in my name using their address which I recognized because she used to babysit my son my kids birth certificates and social security cards where also stolen by her. The dates match from when I stopped using her as a babysitter because she stole cash from me then it showed up on my credit report that a capitol one credit card was opened and used for several months without my knowledge or permission. I disputed it and talked to XXXX they told me to contact the FTC also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Outsourcing, Inc.
State: PA

Complaint narrative:
Sent a debt collection letter to a XXXX XXXX XXXX minor for a {$30.00} medical bill his parents had no notification of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I am a natural person, I am a living human being. I have rights under 15 USC 1681. 
XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equitax written permission to furnish

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
On a previous complaint that I made against Select Portfolio Servicing , Inc . 
( SPS ), the company made a blatantly fraudulent statement to the CFPB in their Companys Response. This is regarding their statement We received a P & L on XX/XX/2022 ; however, the P & L was dated more than 90 days, which is not acceptable. 
This is blatantly and provably false by their own phone calls and letters. The quarterly P & L statements were for XXXX, XXXX and XXXX of 2022. They claim to have received them on XX/XX/2022, just 20 days after the end of XXXX, or the first quarter of 2022. How could they possibly be dated more than 90 days? They were acknowledged to have been received just 20 days after the end of the quarter. 
Unfortunately, this type of tactic is completely consistent with the practices of this company, as we have tried repeatedly to get a resolution to this COVID-19 forbearance amount over the last year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: BHFC Financial Services INC
State: NV

Complaint narrative:
XX/XX/XXXX I spoke with the manager to inform them the car engine was down I called them to let them know where to get the car they called the lot spoke on an amount they called two weeks later the amount went up the loan company never called the mechanic back the manger informed me itll be a repo on my name at bhfc I agreed I was not making any payments any longer on a non working vehicle I have that in email its 5 months later they still have a loan open on my name its illegal I have not paid them I have called them numerous of times the manger told me today Im not putting a repo on your name so you can get a new car on XXXX bhfc financial is the loan company! No payments have been made they never did a repo .I have emails on XX/XX/2022 in writing as well I emailed them about this vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: GA

Complaint narrative:
My identity was stolen me and my family of XXXX will be facing homelessness due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE 3 IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. Companies listed below are reporting accounts obtained thru identity theft.which is a violation of the Fair Credit Reporting Act, 15 USC sections 1681i, which the Credit Bureaus are obligated to finish their investigation within 30 days. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), I need the following accounts corrected now : 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 also my ssn is XXXX bank statement attached drivers license attached

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 2022-09-12 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: GA

Complaint narrative:
My identity was stolen me and my family of XXXX will be facing homelessness due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE 3 IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. Companies listed below are reporting accounts obtained thru identity theft.which is a violation of the Fair Credit Reporting Act, 15 USC sections 1681i, which the Credit Bureaus are obligated to finish their investigation within 30 days. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), I need the following accounts corrected now : 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 also my ssn is XXXX bank statement attached drivers license attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In XXXX, XXXX and XXXX I worked for a company named XXXX where a company trying to collect a payday loan from me was relentlessly calling my job, harassing me for payment, to the point that co-workers were answering my phone stating I no longer worked for the company, but the calls did not cease and eventually I lost my job at this company, as this was a personal matter. The callers had distinct voices and were calling me from really long telephone numbers as though they were calling for XXXX. The stated a Sheriff was coming to my work place to arrest me. That I would go to jail and loose my job. Demanded I fill out a form allowing them to deduct money from my bank account to repay the debt, basically scare tactics. Finally I was feed up and called the XXXX XXXX State Attorney Generals office to inquire about my rights in this matter. I was informed to not pay them a dime and that if they did try to sue me in court the case would be dismissed. In XXXX I moved to XXXX XXXX, but at the time of this " supposed loan '' I lived at XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, therefore the laws would apply to that time period. Furthermore, this is a stale debt as it is move then 10 years old. I'm a XX/XX/XXXX survivor and have XXXX  and XXXX and don't appreciate the tone of this letter that is very intimidating.

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 2022-09-12 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: PA

Complaint narrative:
In accordance with with the fair credit reporting act XXXX  account : XXXXXXXX XXXX XXXX, has violated my rights In accordance with with the fair credit reporting act XXXX  account : XXXX, has violated my rights In accordance with with the fair credit reporting act XXXX account : XXXX XXXX XXXX, has violated my rights In accordance with with the fair credit reporting act XXXX  account : XXXXXXXX XXXX XXXX, has violated my rights In accordance with with the fair credit reporting act XXXX  account : XXXX XXXX, has violated my rights 15 u.s.c 1681 section 602 A, states I have the right to privacy 15 u.s.c 1681section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I received a second report from TransUnion. It is the same as the first one. Lacking current information. I never requested the report. The problem is the same. They are not providing up to date information and have made no effort to do so. 

Also, they closed the previous complaint and never solved the problem. 

I am filing another complaint. I am not going to let them get away this this lack of service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: IL

Complaint narrative:
Almost 3 years ago, I was robbed. The person/people who robbed me stole my ID, credit cards, etc. I've been going through hoops with the credit reporting agencies to get these things off my reports. So, I was told to contact you guys and ya 'll would help me.

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 2022-09-12 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: IL

Complaint narrative:
Almost 3 years ago, I was robbed. The person/people who robbed me stole my ID, credit cards, etc. I've been going through hoops with the credit reporting agencies to get these things off my reports. So, I was told to contact you guys and ya 'll would help me.

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 2022-09-12 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: Prosper Marketplace, Inc.
State: NY

Complaint narrative:
On XX/XX/2022, Prosper submitted erroneous information to XXXX, which caused my credit score to decrease and jeopardized a real estate home transaction. I haven't used the card in question, and Prosper submitted incorrect data with a 93 % utilization. Prosper acknowledges that my information is listed correctly in their systems but refuses to correct it with the credit agency promptly.

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 2022-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Capital One violated my rights by closing my two accounts under the Uniform Commercial Code ( UCC ) adopted in every state. This is " colorable law '', used in all of the courts of the nation. By closing my accounts Capital One as violated numerous statues UCC 3-104, 3-603, 3-419, 1-308 and HJR 192. 
Since 1933 when the government went bankrupt " Every provision contained in or made with respect to any obligation which purports to give the oblige a right to require payment in gold or a particular kind of coin or currency, or in any amount of money of the United States measured thereby, is declared to be against public policy, and no such provision shall be contained in or made with respect to any obligation hereafter incurred. Every obligation, heretofore or hereafter incurred, whether or not any such provisions is contained therein or made with respect thereto, shall be discharged upon payment, dollar for dollar, in any such coin or currency which at the time of payment is legal tender for public and private debts. '' Since there is no lawful money, the government gave me the benefits to discharge debt. Under UCC 1-308, I reserve my rights, without prejudice. My prepaid coupon presentment is a negotiable instrument.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: AL

Complaint narrative:
To whom it may concern, I have contacted TransUnion Consumer solutions on ( XX/XX/2022, XX/XX/2022, about inaccurate and UNVERIFIED information on my credit report. They have claimed that they have verified it with companies that I have attached they they did not verify this information. Appalled by this information, I went directly to the sources and have provided hard copies from the sources with information that TransUnion keep saying verified. 

I am aware of the FCRA states, that a Credit Reporting Agency must remove inaccurate or unverified information from its files in 30 days after dispute. However, the Credit Reporting Agency is not required to remove accurate data from your file unless it is outdated or can not be verified properly.

TransUnionConsumer Solutions failure to respond within 30 days of receipt of this information and or your DEFICIENT OF COMPLIANT RESPONSE will indeed result in small claims legal action against TransUnion and your company at my local venue. Without hesitancy, I would be seeking a minimum of $ XXXX per infraction per reporting cycle in a suitable rectifying and remedial setting such as my local civil court ( which undoubtedly would likely to be in my favor ), and or even whatever other minimum monetary awards additionally I might be then rendered due to your deficient of compliant reporting ( or lack of proof of deficient reporting ) as is mandated by my States laws as well as the federal regulations such as is described with the regulatory and obligatory statutes such as the FDCPA, FCRA XXXX my States credit reporting codes or else wise to include the requisites to have only true, correct, and complete recordings in utilization of the Metro 2 data field formatted reporting regulatory standards. As is within my consumer and civil rights to do so, I hereby enact my right to compel you by demand to please annul via full deletion/removing this account that is deficient of demonstrated evidence of certified compliance to adequate lawful and ethical reporting.

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 2022-09-12 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX DEPT OF EDUCATIONXXXX Account # XXXX DEPT OF EDUCATIONXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I have called Nelnet Multiple times and have requested a refund on my loan payments made during the COVID forbearance. They have not reached back to me after a month and will not answer any of my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: Affirm Holdings, Inc
State: SC

Complaint narrative:
Affirm, XXXX XXXX XXXX Fl XXXX, XXXX XXXX, CA XXXX. Affirm has made two loans to someone, but it was not me. They have put an entry into my credit reports that I had not made. They show an open balance of {$54.00} on a loan of {$60.00} as of XX/XX/XXXX. The account supposedly was opened on XX/XX/XXXX. Account number only shows as XXXX on my credit report. This shows as a late payment. I did not apply for credit from this company, ever! Another item from Affirm shows an unsecured loan of {$230.00} opened on XX/XX/XXXX with a current balance of {$250.00}. This account number shows up as XXXX. This is also not my account. This shows as a charge off on XX/XX/XXXX. With a past due amount of {$88.00}. I have contacted Affirm and they would not talk to me to get this resolved since I didnt have the correct phone number on the account. I explained that I did not know the phone numbers for the criminal who got this loan fraudulently but they would not budge. I have since filed a dispute with XXXX and will also be doing so with the other two credit bureaus. In reviewing all my account information with XXXX I find that they are several incorrect items on my personal information. I am disputing those also. Any help would be appreciated.

Company response to consumer: Closed with explanation