vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-26 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XXXX, XX/XX/XXXX. {$21.00} past due amount. Called Navy Federal to let them know that wife and I got XXXX XXXX  XXXX  and were extremely XXXX  and completely forgot to make payment on my checking line of credit. We were pretty much XXXX  for over a month and was unable to even go to work and at the same time my wife had been unemployed for over a year ( starting XX/XX/XXXX ). We have so far made all the past due payments and I called them and explained to them the situation and to ask them to remove late payment from my account but they said they are unable to do so even if I explained to them that were were affected by XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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:
A collection account in the amount of {$440.00} was removed from my credit report from XXXX after being found to be fraudulent. A different collection company has purchased the fraudulent account and added to my credit report again. This is not following the FCRA regulations by doing this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I sent a letter to the credit reporting agency regarding inaccurate, misleading and unauthorized information on my credit. To this day over 35 days, i have never received a response and this is frustrating. I was told that if i sent a letter the credit reporting agency must investigate and reply to my requests. If the reporting agency fails to investigate, it must be deleted from my credit report. I request these items to be deleted since i am being ignored from the reporting agencies. In addition, i was affected by the equifax data breach that happened and my info must have landed in the wrong of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: MI

Complaint narrative:
Contacted creditors & bureaus 50 days ago regarding this issue with reporting inaccurate information on my report. They disregarded me & went against multiple laws one for instance fcra section 609 Now I ask that these accounts that wrongly reporting be removed off my report as soon as possible. I dont know how this happened & it is hindering me a lot.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: FL

Complaint narrative:
A collection account in the amount of {$440.00} was removed from my credit report from XXXX  after being found to be fraudulent. A different collection company has purchased the fraudulent account and added to my credit report again. This is not following the FCRA regulations by doing this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The credit Bureau is refusing to investigate my dispute saying that the info was valid when there is a bunch of inaccuracies on my credit report such, The DOLA dates dont much one bureau is reporting it as bank loan when its clearly a student loan which is a big violation the open dates dont match the late payments dont much one bureau is reporting 2 late payments the other one reporting 4 XXXX deleted my student loans because of all the inaccuracies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The credit Bureau is refusing to investigate my dispute saying that the info was valid when there is a bunch of inaccuracies on my credit report such, The DOLA dates dont much one bureau is reporting it as bank loan when its clearly a student loan which is a big violation the open dates dont match the late payments dont much one bureau is reporting 2 late payments the other one reporting 4 XXXX deleted my student loans because of all the inaccuracies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: MI

Complaint narrative:
Sent out documents showing that these credit bureaus & creditors have been wrongly reporting inaccurate information on my report. Its against the law and its slowing me down from bettering myself in life. Under section 609 of the fcra I really feel like these items are in fault and need to be removed ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: MI

Complaint narrative:
Contacted creditors & bureaus 60 days ago regarding this issue with reporting inaccurate information on my report. They disregarded me & went against multiple laws one for instance fcra section 609 Now I ask that these accounts that wrongly reporting be removed off my report as soon as possible. I dont know how this happened & it is hindering me a lot mann

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: Cooling & Winter LLC
State: SC

Complaint narrative:
Cooling & Winter ATTORNEY AT LAW XXXX XXXX XXXX XXXX GA XXXX Is sending me collection letters to collect on a discharge debt. 

XXXX XXXX is the original creditor that keeps giving these collection companies my discharged debt. 

This is the 3rd collection company that has contacted me. 

I am tired of responding but I have to in order to keep them from Attacking my credit. 

XXXX XXXX also reported my debt as a charge off instead of a discharge although the account was never late before discharging. 

It seems XXXX keep selling my information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: Conn's, Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Is sending me collection letters to collect on a discharge debt. 

Conns Appliance is the original creditor that keeps giving these collection companies my discharged debt. 

This is the 3rd collection company that has contacted me. 

I am tired of responding but I have to in order to keep them from Attacking my credit. 

Conns Appliance also reported my debt as a charge off instead of a discharge although the account was never late before discharging. 

It seems Conns keep selling my information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: GA

Complaint narrative:
TO WHOM IT MAY CONCERN, I HAVE RIGHTS WHICH YOU CONTINUE TO OVER LOOK! You the credit bureau are also a debt collector! And are in violation of my rights as a consumer! The FTC will be made aware of this also! For your deliberate abuse and malicious intent to not scrutinize the law carefully, I will be forced to take Federal Action! If I've told you ONCE I shouldn't have to tell you over and over again! This is my LIFE are you really doing your JOB? " SCRUTINIZE 15 USC 1681 ( a ) ( 3 ) ( 4 ) very carefully ''! You must not know who I am, and how much power I actually have! 28 USC 3002. The United States is a Corporation that I am not a citizen of, BUT A CONSUMER and also an administered agent according to 15 USC 1602 ( o ). Now the term Consumer means any natural person obligated or " ALLEGEDLY '' obligated to pay any debt. 15 USC 1692a ( 3 ). Under the FDCPA I want you to Validate any debt you say I have on my CONSUMER REPORT! There is abundant evidence of the use of abusive, deceptive and unfair debt collectors. Which you happen to be one of! There are no laws in place for debt, the only law is to protect me the CONSUMER from debt! 15 USC 1692g ( c ) ADMISSION OF LIABILITY. The COURT can't say I owe it if I say I don't! So who else can say I do ... YOU? NO ONE!!! PROFF THAT A DEBT COLLECTOR CAN NOT VALIDATE A DEBT. I am the original creditor and consumer, security interest secured my obligation. The term credit card means any card or other credit device existing for the purpose of obtaining money! So my social security card is also a credit card, with an INDEFINITE amount! 15 USC 1602 J. TRUTH AND LENDING OPEN END CREDIT PLAN! Social security cards belong to the social security administration. I give it back to them at there request. So there for I'm just an administered agent, I DON'T OWE ANY DEBT! 18 USC 8 will provide that information to you. Again, REMOVE ALL DEROGATORY MARKS FROM MY CONSUMER REPORT AT ONCE! REMOVE ALL XXXX  XXXX {$680.00} {$580.00} {$550.00}. REMOVE XXXX XXXX  {$2600.00}. REMOVE XXXX  XXXX  {$1100.00}. REMOVE XXXX, XXXX XXXX XXXX {$910.00}. REMOVE XXXX XXXX {$230.00}. REMOVE XXXX  XXXX XXXX {$7300.00}. REMOVE ALL XXXX XXXX {$280.00} {$240.00} {$290.00} {$240.00} E.T.C. SO LET IT BE WRITTEN, SO LET IT BE DONE!!! P.S THIS IS NOT A GAME ... THANK YOU FOR YOUR CLOSE SCRUTINIZE OF 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 2021-08-26 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: GA

Complaint narrative:
TO WHOM IT MAY CONCERN, I HAVE RIGHTS WHICH YOU CONTINUE TO OVER LOOK! You the credit bureau are also a debt collector! And are in violation of my rights as a consumer! The FTC will be made aware of this also! For your deliberate abuse and malicious intent to not scrutinize the law carefully, I will be forced to take Federal Action! If I've told you ONCE I shouldn't have to tell you over and over again! This is my LIFE are you really doing your JOB? " SCRUTINIZE 15 USC 1681 ( a ) ( 3 ) ( 4 ) very carefully ''! You must not know who I am, and how much power I actually have! 28 USC 3002. The United States is a Corporation that I am not a citizen of, BUT A CONSUMER and also an administered agent according to 15 USC 1602 ( o ). Now the term Consumer means any natural person obligated or " ALLEGEDLY '' obligated to pay any debt. 15 USC 1692a ( 3 ). Under the FDCPA I want you to Validate any debt you say I have on my CONSUMER REPORT! There is abundant evidence of the use of abusive, deceptive and unfair debt collectors. Which you happen to be one of! There are no laws in place for debt, the only law is to protect me the CONSUMER from debt! 15 USC 1692g ( c ) ADMISSION OF LIABILITY. The COURT can't say I owe it if I say I don't! So who else can say I do ... YOU? NO ONE!!! PROFF THAT A DEBT COLLECTOR CAN NOT VALIDATE A DEBT. I am the original creditor and consumer, security interest secured my obligation. The term credit card means any card or other credit device existing for the purpose of obtaining money! So my social security card is also a credit card, with an INDEFINITE amount! 15 USC 1602 J. TRUTH AND LENDING OPEN END CREDIT PLAN! Social security cards belong to the social security administration. I give it back to them at there request. So there for I'm just an administered agent, I DON'T OWE ANY DEBT! 18 USC 8 will provide that information to you. Again, REMOVE ALL DEROGATORY MARKS FROM MY CONSUMER REPORT AT ONCE! REMOVE ALL XXXX  XXXX {$680.00} {$580.00} {$550.00}. REMOVE XXXX XXXX  {$2600.00}. REMOVE XXXX XXXX {$1100.00}. REMOVE XXXX, XXXX XXXX XXXX {$910.00}. REMOVE XXXX XXXX {$230.00}. REMOVE XXXX XXXX XXXX {$7300.00}. REMOVE ALL XXXX XXXX {$280.00} {$240.00} {$290.00} {$240.00} E.T.C. SO LET IT BE WRITTEN, SO LET IT BE DONE!!! P.S THIS IS NOT A GAME ... THANK YOU FOR YOUR CLOSE SCRUTINIZE OF THIS MATTER!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have been receiving an overwhelming amount of letters and calls from this company for a debt I have no knowledge of. I spoke with several representatives prior in relation to my information being breached through XXXX  around this time. I also have identity thefts instances around this year when this account was opened. 


I have paid several credit repair agencies to remove this erroneous account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-26 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: MI

Complaint narrative:
Sent out documents showing that these credit bureaus & creditors have been wrongly reporting inaccurate information on my report. Its against the law and its slowing me down from bettering myself in life. Under section 609 of the fcra I really feel like these items are in fault and need to be removed ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: MD

Complaint narrative:
Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator and holder.

Experian is reporting the following items on my consumer credit report without my permission which is, in fact, a violation of the FCRA pursuant to 15 USC 1681b ( 2 ) and 15 USC 1681 ( a ) ( 4 ) and I DEMAND ITEMS BE DELETED IMMEDIATELY. 
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 DEMAND FOR REMEDY of {$9000.00} TO SETTLE OR FACE FEDERAL PROSECUTION. 

Experian furnished a copy of my consumer credit report to the following parties without my permission which is, in fact, in violation of the FCRA pursuant to 15 USC 1681b ( 2 ) and 15 USC 1681 ( a ) ( 4 ) and I DEMAND ITEMS BE DELETED IMMEDIATELY.

1 ) MUNICIPLES EMPLOYEE C 2 ) PERFORMANT FINANACIAL C DEMAND FOR REMEDY OF {$2000.00} TO SETTLE OR FACE FEDERAL PROSECUTION.

I requested information on my consumer file each time an reinvestigation was concluded and have yet to receive requested information which is, in fact, a violation of 15 USC 1681g ( a ) ( 1 ).

DEMAND FOR REMEDY OF {$12000.00} TO SETTLE OR FACE FEDERAL PROSECUTION.

Experian willful noncompliance has caused mental anguish, emotional distress, defamation of character and has ruined my reputation pursuant to 15 USC 1681n and I DEMAND REMEDY OF {$9000.00} TO SETTLE OR FACE FEDERAL PROSECUTION.

Experian negligent noncompliance has caused mental anguish, emotional distress, defamation of character and has ruined my reputation pursuant to 15 USC 1681o and I DEMAND REMEDY OF {$9000.00} TO SETTLE OR FACE FEDERAL PROSECUTION.

Statements Made under Penalty of Perjury Must be answered By Counter-Affidavit with Affiant having Personal knowledge of the Facts therein with Documentary Evidence

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Loan originated XX/XX/XXXX and balance charged off was {$1700.00}. I would like to follow up on the dispute with this bank because the charge off on my account has been past 7 years already and still have not been removed from my report. They are saying that it is due to be removed XX/XX/XXXX but I believe it should have been removed a few months ago. I have already submitted a dispute but was rejected by Wells Fargo but I would like to request all of my statements for this account from XXXX so we can see when the true date of my last payment was so we can determine when the 7 years really hit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-26 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: MI

Complaint narrative:
Sent out documents showing that these credit bureaus & creditors have been wrongly reporting inaccurate information on my report. Its against the law and its slowing me down from bettering myself in life. Under section 609 of the fcra I really feel like these items are in fault and need to be removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This another account from the same company that has been sending an overwhelming amount of letters for a debt I have no knowledge of. I spoke with several representatives prior in relation to my information being breached through XXXX  around this time. I also have identity thefts instances around this year when this account was opened. I have paid several credit repair agencies to remove this erroneous account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-26 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: OH

Complaint narrative:
affiant is aware and has proof that Equifax is in violation of USC 1681c-2. ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had a Handy Man that I contract with go into the locked building after hours and enter my office and take 2 checks from two different accounts from my desk drawer. He then proceeded to write 2 fraudulent checks to his company, forged my signature and emptied out my accounts. I filed 2 complaints with chase and a police report. Both claims were denied by chase saying I was negligent by not locking my checks. I let them know that the signatures on the checks do not match mine and therefore they were negligent by paying the checks. They will not refund the money.

Company response to consumer: Closed with explanation