vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-20 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: TX

Complaint narrative:
XXXX XXXX XXXXXXXX, XXXX Account # XXXX {$1900.00} Account # XXXX - {$710.00} Account # XXXX - {$710.00} not only did my medical insurance cover the above amounts the two accounts that show I allegedly owe {$710.00} is reporting on my XXXX  credit report incorrect its showing i owe {$730.00} on XX/XX/2022 the above accounts were removed and then readded on my credit report as new collections My privacy was also violated during a time where these medical bills were inaccurately allegedy validated by this third party collection. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS.

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 2022-04-20 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: TX

Complaint narrative:
XXXX XXXX XXXXXXXX, XXXX Account # XXXX {$1900.00} Account # XXXX - {$710.00} Account # XXXX - {$710.00} not only did my medical insurance cover the above amounts the two accounts that show I allegedly owe {$710.00} is reporting on my eqifax credit report incorrect its showing i owe {$730.00} on XX/XX/2022 the above accounts were removed and then readded on my credit report as new collections My privacy was also violated during a time where these medical bills were inaccurately allegedy validated by this third party collection. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: National Consumer Telecom & Utilities Exchange, Inc.
State: KY

Complaint narrative:
On XX/XX/22 I faxed my IDs & request for my NCTUE report, I was mailed a letter dated XX/XX/22 asking me to submit my IDs for verification proof? 

So on XX/XX/22 I again faxed my IDs & requested my NCTUE report. 
I received nothing from NCTUE So again on XX/XX/22 I faxed my IDs & again requested my NCTUE report, I received nothing. 

I have included my last fax and NCTUE letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I've sent dispute letters numerous times asking for verification and requesting changes in the past and twice in the last 2 months about how they're reporting my payment history incorrectly. All XXXX bureaus are reporting late payments that weren't late and they have them reporting at random days of delinquency. Ex : I have consecutive months paid on time and then the next month suddenly jumps to 90 days late then reports OK and then jumps again to 60 or 90 days late. If my payments were to have been late then what happened to the 30 and 60 days reporting first? That can't report that way and they weren't late payments to begin with, my letters have been ignored for quite some time and I'm left with seeking legal representation for the damages these incorrectly reported accounts have been affecting my credit and quality of life for years now. XXXX is showing my payments go from OK to 120 late the next month. XXXX is also reporting late months that are outside the 7 year statute of limitations, another violation. I'll attach copies of my most recent reports for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: Nicholas Financial Inc.
State: GA

Complaint narrative:
On XX/XX/2022 I received a notice from XXXX that Nicholas Financial did a hard inquiry on my credit file. I have not applied for any credit from this company or any auto company. I called Nicholas Financial on XX/XX/2022 at the number listed on my report. ( XXXX ) XXXX and the person I spoke with said there is nothing they can do so I need to file a dispute. XXXX stated that they are unable to dispute credit inquiries so they advised me to submit my dispute here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX I filed for XXXX  XXXX bankruptcy protection. My credit card I had with XXXX  XXXX XXXX ending in XXXX was included in the bankruptcy filing. However TransUnion refuses to display the information regarding this account correctly. The date reported shows as XX/XX/XXXX instead of XX/XX/XXXX when the account was included in this bankruptcy. Because of this erroneous date my TransUnion credit score varies by as many as XXXX points than XXXX and XXXX. Back in XX/XX/XXXX, I submitted a dispute to TransUnion involving several accounts that were included in the same bankruptcy that I was having the same issue with and many of the dates on those accounts were corrected to show the correct date. Additionally, I recently submitted a XXXX letter to TransUnion wanting to know the source of their information regarding the XXXX XXXXXXXX XXXX credit card and so far there hasnt been any response. Each time I call TransUnion Im told they only display the information provided to them by the creditor and when I contact the creditor I am referred back to TransUnion. I just want this error fixed. I am in the process of rebuilding my credit and I have established many new accounts that all in good standing and have not had any derogatory events since the bankruptcy filing more than two years ago. So its really hurting my rebuild efforts when a creditor is reporting a delinquency that occurred two plus years ago as an event that just occurred this past month. I am aware that as negative information ages it has less of an impact on your credit score. Please help me with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20 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: CT

Complaint narrative:
This will be the XXXX complaint I have filed with XXXX and all attempts to reach them by phone have been unsuccessful. Each time the credit company closes my investigation with out changes. I have attached all proof of payments that are consistently being ignored. I have attempted to fix these issue for approximately XXXX mos and am now unable to file any disputes with the credit company online. This has now resulted in me losing my financing to purchase my current home, as well as impeding eviction. 
Also due to credit issues, I lost potential employment and bar admissions. Current issues : XXXX is reporting correctly, XXXX is not and has put prior derogatory reports back onto my credit. 

1. XXXX XXXX XXXX balance updated XX/XX/XXXX as charge-off was paid in full XX/XX/XXXX 2. XXXX XXXX XXXX Updated XX/XX/XXXX labeled as charge-off paid in full XX/XX/XXXX 3. XXXX payment updated XX/XX/XXXX labeled as charge-off Paid in full XX/XX/XXXX 4. XXXX XXXX updated XX/XX/XXXX labeled as charge-off Paid in full XX/XX/XXXX 5. XXXX XXXX XXXX ( loans XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) updated XX/XX/XXXX was in deferment from XX/XX/XXXX to XX/XX/XXXX ( reported incorrectly as delinquent and sent to collections. See attached letter 6. XXXX XXXX XXXX updated XX/XX/XXXX, Dealership failed to fully pay off lease, I returned the vehicle, got another lease and was assured this would be corrected. See Attached. 
7. XXXX XXXX reports and amounts are disputed and currently in active litigation. 
8. XXXX XXXX acct XXXX updated XX/XX/XXXX as collection account balance " unpaid '' Account was paid in full XXXX. XXXX XXXX acct XXXX active collection updated XX/XX/XXXX paid in full XX/XX/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 2022-04-20 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: CLGF Holdco 1, LLC
State: CT

Complaint narrative:
This will be the XXXX complaint I have filed with XXXX and all attempts to reach them by phone have been unsuccessful. Each time the credit company closes my investigation with out changes. I have attached all proof of payments that are consistently being ignored. I have attempted to fix these issue for approximately XXXX mos and am now unable to file any disputes with the credit company online. This has now resulted in me losing my financing to purchase my current home, as well as impeding eviction. 
Also due to credit issues, I lost potential employment and bar admissions. Current issues : XXXX is reporting correctly, XXXX is not and has put prior derogatory reports back onto my credit. 

1. XXXX XXXX XXXX balance updated XX/XX/XXXX as charge-off was paid in full XX/XX/XXXX 2. XXXX XXXX XXXX Updated XX/XX/XXXX labeled as charge-off paid in full XX/XX/XXXX 3. Indigo payment updated XX/XX/XXXX labeled as charge-off Paid in full XX/XX/XXXX 4. XXXX XXXX updated XX/XX/XXXX labeled as charge-off Paid in full XX/XX/XXXX 5. XXXX XXXX XXXX ( loans XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) updated XX/XX/XXXX was in deferment from XX/XX/XXXX to XX/XX/XXXX ( reported incorrectly as delinquent and sent to collections. See attached letter 6. XXXX XXXX XXXX updated XX/XX/XXXX, Dealership failed to fully pay off lease, I returned the vehicle, got another lease and was assured this would be corrected. See Attached. 
7. XXXX XXXX reports and amounts are disputed and currently in active litigation. 
8. XXXX XXXX acct XXXX updated XX/XX/XXXX as collection account balance " unpaid '' Account was paid in full XXXX. XXXX XXXX acct XXXX active collection updated XX/XX/XXXX paid in full XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
FRAUDULENT ACCOUNTS 1. Capital One account number XXXX XXXX - XXXX XXXX 2. Capital One Account Number XXXX 3. DEPT OF EDXXXXAccount number XXXX, XXXX ( XXXX ) 4. DEPT OF EDXXXX Account number XXXX, Loan ( XXXX ) I TALKED WITH THE DEPT OF EDXXXX  ON, XXXX, i SPOKE WITH THE CUSTOMER SERVICE DEPARTMENT EMPLOYEE XXXX XXXX XXXX WHOS BADGE NUMBER IS XXXX. I REPORTED TO EDXXXX THAT THESE STUDENT LOANS ARE FRAUDULENT, AS A RESULT OF IDENTITY THEFT. 
THE DEPARTMENT OF EDXXXX SAID THEY ARE SENDING ME A PACKET TO SIGN SO THEY CAN DISCHARGE THE LOANS AS FRAUD AND REMOVE THIS FRAUDULENT STUDENT LOANS FROM MY CREDIT REPORTING HISTORY. REGARDING CAPITAL ONE, I HAVE TWO FRADULENT ACCOUNTS. I TALKED WITH CAPITAL ONE TODAY, XXXX AND CAPITAL ONE IS DOING AN INVESTIGATION ON THESE FRADULENT CREDIT CARDS THAT DO NOT BELONG TO ME. I SPOKE WITH AN EMPLOYEE NAMED XXXX, WHOS EMPLOYEE ID NUMBER IS XXXX, ON XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20 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: Granite Edvance Corporation
State: CT

Complaint narrative:
Granite State Management ( loans XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) updated XX/XX/XXXX was in deferment from XX/XX/XXXX to XX/XX/XXXX ( reported incorrectly as delinquent and sent to collections. See attached letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am seeking loan forgiveness. Im over XXXX XXXX XXXX and have been paying on this student loan since XXXX. I am immune compromised and have had to go out on forbearance during times when my XXXX is active leaving me unable to work. In XXXX and XXXX I wasnt able to work during Covid shutdowns and I placed my loan on Covid forbearance. 

During forbearance in XXXX I was charged over {$900.00} in interest and am not getting any closer to paying off my loan. My body is breaking down. I need to have a XXXX and have this old debt still hanging over my head. Im old enough to start taking social security now but cant do it because of the student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Frontline Asset Strategies, LLC
State: IL

Complaint narrative:
Fronline Asset Strategies LLC has violated my federally protected rights under 15 USC 1692 and 15 USC 1681 as 18 USC 1341.

In violation of : 15 usc 1692 ( c ) ( a ) : a debt collector may not communicate with a consumer in connection with any debt.

In violation of 15 usc 1692 ( B ) ( 5 ) : not use any language or symbol on any envelope or in the contents of any communication affected by the mail or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

In violation of 15 usc 1692 ( D ) ( 2 ) : the use of obscene or profane language the natural consequences of which is to abuse the hearer or reader In violation of 15 usc 1681b : Permissible Purpose In violation of 18 usc 1341 : Mail Fraud and Swindlers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: FL

Complaint narrative:
In accordance with the fair credit reporting act, the following companies have 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. 

XXXX XXXX XXXX XXXX XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: CT

Complaint narrative:
XXXX XXXX XXXX ( loans XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) updated XX/XX/XXXX was in deferment from XX/XX/XXXX to XX/XX/XXXX ( reported incorrectly as delinquent and sent to collections. See attached letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT

Complaint narrative:
XXXX XXXX XXXX updated XX/XX/2022, Dealership failed to fully pay off lease, I returned the vehicle, got another lease and was assured this would be corrected. See Attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC
State: CT

Complaint narrative:
Monterey Collection acct XXXX updated XX/XX/2022 as collection account balance " unpaid '' Account was paid in full

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: EQUIFAX, INC.
State: MS

Complaint narrative:
On XXXX XXXX and XXXX of 2022 I disputed inaccurate and outdated information on my Equifax report. Equifax has failed to remove the account and has violated my rights under the FCRA. The account is to old to be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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:
FRAUDULENT ACCOUNTS 1XXXX XXXX XXXX account number XXXX XXXX - XXXX XXXX XXXX. XXXX XXXX Account XXXX XXXX XXXX. DEPT OF ED/XXXXEAccount number XXXX, Loan ( 02 ) 4. DEPT OF ED/XXXX Account number XXXX, Loan ( 01 ) I TALKED WITH THE DEPT OF ED/XXXX ON, XXXX, i SPOKE WITH THE CUSTOMER SERVICE DEPARTMENT EMPLOYEE NAMED XXXX XXXX WHOS BADGE NUMBER IS XXXX. I REPORTED TO ED/XXXX THAT THESE STUDENT LOANS ARE FRAUDULENT, AS A RESULT OF IDENTITY THEFT. THE DEPARTMENT OF ED/XXXX SAID THEY ARE SENDING ME A PACKET TO SIGN SO THEY CAN DISCHARGE THE LOANS AS FRAUD AND REMOVE THIS FRAUDULENT STUDENT LOANS FROM MY CREDIT REPORTING HISTORY. REGARDING XXXX XXXX, I HAVE TWO FRADULENT ACCOUNTS. I TALKED WITH XXXX  XXXX TODAY, XXXX AND XXXXL XXXX IS DOING AN INVESTIGATION ON THESE FRADULENT CREDIT CARDS THAT DO NOT BELONG TO ME. I SPOKE WITH AN EMPLOYEE NAMED XXXX, WHOS EMPLOYEE ID NUMBER IS XXXX, ON 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 2022-04-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022 I received a notice from Experian that XXXX XXXX did a hard inquiry on my credit file. I have not applied for any credit from this company or any auto company. I called XXXX XXXX on XX/XX/2022 at the number listed on my report. ( XXXX ) XXXX and the person I spoke with said there is nothing they can do so I need to file a dispute. Experian stated that they are unable to dispute credit inquiries so they advised me to submit my dispute here.

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 2022-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX XXXX acct XXXX updated XX/XX/2022 as collection account balance " unpaid '' Account was paid in full

Company response to consumer: Closed with explanation