vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc.
State: WI

Complaint narrative:
Good morning I would actually like to petition the CFPB to make changes to the current law about demand letters. If a collection agency buys your debt and they legally own that debt and the debt is no longer owned by the original creditor, the debt collection agency should be required to send you an itemized bill of ALL debts in your name owned by them not just per the one creditor. I.e I received a letter from State Collections Agency saying I owe {$31.00} due to an unpaid XXXX XXXX bill. I call to make payment and the debt collector says no no no, you owe 8-9 different accounts and the balance of the accounts total are {$810.00}. Well if the creditor now owns all of these debts, you need to send a bill as you would receive from your wireless company or electric company saying this is what you were billed for this is your total balance- they dont just mail you a partial balance owed and then you call in and it be ok to say no you owe {$400.00} instead of {$100.00} like you thought. That is illegal and predatory practices and this actually needs to go to court. You dont get a half bill for any other debt you owe to a company. If you owe a certain debt collection agency {$900.00} you should receive an itemized bill for {$900.00} not one individual bill at a time to be FAIR.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have received the attached simple reply from XXXX XXXX reflecting an investigation which they found no signs of fraud. Under FCRA requirements, how can the credit bureaus verify the consumers disputed accuracy of credit records they maintain when XXXX XXXX doesnt supply details and explanation of their investigation? PLEASE DO NOT RUSH TO GET RID OF THIS COMPLAINT AND CAREFULLY READ THE FOLLOWING TO PERFORM A PROPER AND ACCURATE INVESTIGATION. I had two XXXX XXXX cards stolen ending in XXXX and XXXX in XX/XX/XXXX. One year after theft, I received the attached letters on XX/XX/XXXX stating my dispute has been resolved in my favor without any explanation and cards were credited. Then on XX/XX/XXXX, I received the attached stating there was incorrect information and the account ending in XXXX was removed from my credit report again without any explanation. The account ending in XXXX should also be deleted. Children in high school can clearly see the inconsistencies and lack of organization skills.

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 2021-02-12 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: OH

Complaint narrative:
There is a collection account on my credit report, that does not belong to me and I want it removed. 
Details below Name of Company XXXX XXXX Account Number # XXXX COLLECTION Opened XXXX Amount {$220.00}

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 explanation
Consumer complaint received 2021-02-12 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: EQUIFAX, INC.
State: OH

Complaint narrative:
There is a collection account on my credit report, that does not belong to me and I want it removed. 
Details below Name of Company XXXX XXXX Account Number # XXXX COLLECTION Opened XX/XX/19 Amount {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-02-12 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: TX

Complaint narrative:
Previously I have stated that I am as a consumer has been abused by a company called XXXX XXXX XXXX. The alleged charge off account on my credit report ( XXXX XXXX/XXXX ) is ruining my reputation and cause me to stress and lose my job. I request Equifax to remove it off my credit report but all they did was sending me back a statement of this account. Equifax is not helping me removing this alleged charge off account, they are not solving my issue when the creditor is violating under the FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am writing this report to dispute a fraudulent account opened under my name on XX/XX/XXXX. This has been an ongoing battle with the company, Midland Credit Management, who sent the last bill to my current address. There was an account number XXXX for XXXX XXXX XXXX. The Midland Credit Management is number for the account is XXXX. The balance was written off as {$910.00} as of XX/XX/XXXX. I disputed this in XXXX. I received a letter on XX/XX/XXXX stating that it was not seen as fraudulent. So, I have attached a fraud affidavit & this account does not belong to me and it is fraudulent. I am basing this claim on a report I received from XXXX on XXXX ( report # XXXX ). According to my most recent XXXX credit report ( report # XXXX ), the XXXX account number is XXXX. This XXXX XXXX/XXXX account was opened fraudulently on XX/XX/XXXX. It was charged off on XX/XX/XXXX and sold to the company. I have not once agreed to the account or proven its validity. This account is fraudulent. Whoever opened this account was up to date on payments. This could have been a positive effect on my credit history. I do not know who opened the account, but it was not me. Find police report # XXXX attached. I also have a fraud affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12 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: TX

Complaint narrative:
Attached is a SAMPLE letter I receive stating the Credit Reporting Agency has " previously processed this dispute and and the credit grantor has verified its accuracy. '' HOWEVER, under FCRA requirements, the credit bureaus are required to verify the consumers accuracy of credit records they maintain. Not just process. The attached letter continues by stating " we will not re investigate the same dispute ''. How can a Credit Reporting Agency verify my records for accuracy when your client, XXXX XXXX XXXX XXXX, ignores all requests, supplies nothing, and labels all requests and complaints as duplicates? Moreover, XXXX XXXX and the Credit Reporting Agencies rely upon an incomplete and undated application ( that even states at the top is not to be processed ) as FCRA Permissible Permission to steal my private information? AND then a forged and fraudulent loan is allowed for thieves to steal two cars in my name. A high school child can understand this but three so called professional companies can not.

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 2021-02-12 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: DISCOVER BANK
State: NY

Complaint narrative:
The reported balance is {$0.00} for Discover Financial XXXX  on my credit and states " Account information disputed by the consumer, meets FCRA requirements. '' I reported the identity theft ( see attached police report ) on XX/XX/XXXX and in regards to this specific account on XX/XX/XXXX ( see attached police report ). This account is still showing on my account and I need to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On my most recent credit report from XXXX, I noticed that the XXXX, XXXX, and XXXX accounts from XXXX  were reported by both XXXX and XXXX XXXX XXXX. This looks like 6 delinquent on my report. The accounts were fraudulently opened anyway, but its even worse that its been reported double.

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 2021-02-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On my most recent credit report from XXXX, I noticed that the XXXX, XXXX, and XXXX accounts from XXXX were reported by both XXXX and XXXX XXXX XXXX. This looks like 6 delinquent on my report. The accounts were fraudulently opened anyway, but its even worse that its been reported double.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I am writing this report to dispute a fraudulent account opened under my name on XX/XX/XXXX. This has been an ongoing battle with the company, XXXX XXXX XXXX, who sent the last bill to my current address. There was an account number XXXX for Comenity BankXXXX XXXX. The XXXX XXXX XXXX is number for the account is XXXX. The balance was written off as {$910.00} as of XX/XX/XXXX. I disputed this in XXXX. I received a letter on XX/XX/XXXX stating that it was not seen as fraudulent. So, I have attached a fraud affidavit & this account does not belong to me and it is fraudulent. I am basing this claim on a report I received from XXXX on XXXX ( report # XXXX ). According to my most recent XXXX credit report ( report # XXXX ), the Comenity account number is XXXX. This Comenity Bank/XXXX account was opened fraudulently on XX/XX/XXXX. It was charged off on XX/XX/XXXX and sold to the company. I have not once agreed to the account or proven its validity. This account is fraudulent. Whoever opened this account was up to date on payments. This could have been a positive effect on my credit history. I do not know who opened the account, but it was not me. Find police report # XXXX attached. I also have a fraud affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: CITIBANK, N.A.
State: WI

Complaint narrative:
Never signed a contract to the account.

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 2021-02-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I do not recognize or have authorized the noted inquires on my credit report. Please remove inquires on my credit report immediately as this is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: AL

Complaint narrative:
Ive repeatedly disputed with XXXX  and XXXX  my late payments reported on credit report from navient. I supplied documents proving the late payments were jot late just deferred but neither will change my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On my most recent credit report from Experian, I noticed that the XXXX, XXXX, and XXXX accounts from XXXX  were reported by both XXXX  and XXXX XXXX XXXX. This looks like 6 delinquent on my report. The accounts were fraudulently opened anyway, but its even worse that its been reported double.

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 2021-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
I have a loan, which is subsidized and is currently in the education deferment. It has @ {$69000.00} in unpaid principal and has no unpaid interest. I also have an unsubsidized loan. I am currently paying {$300.00} a month while in deferment, with that amount being split per Navient policies between loans. The account history for my subsidized loan shows that on XX/XX/2021, I was credited {$180.00}. Then also on XX/XX/2021, I was debited {$180.00}. This pattern has been ongoing for years and is also the case with the unsubsidized loan : my account is credited, and then the exact same amount is debited. Despite having made this payment for some time, the balance of unpaid principal according to the account history has not changed on this subsidized loan. I have called and I have written previously, and I receive back boilerplate language explaining how payments are divided between the accounts. Now, the Navient portal will not allow me to send questions to Navient by the portal 's email system, despite whatever browser or computer I use, retuning an error stating I do not have to access the email system. The fact that there is a cycle of debits and credits and never shrinking principal on my subsidized loan is never addressed in any response. I am becoming increasingly frustrated at the lack of explanation. I am making a good faith payment every month despite having an education deferment, and yet, it appears that Navient is pocketing my payment and not crediting my account. I would really like an explanation of this revolving credit/debit cycle and why the principle is not showing a reduction on the subsidized loan despite regular payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. BK OF AMER Inquired on XX/XX/2019, XXXX/XXXX Inquired on XX/XX/2019,. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2021-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Ive repeatedly disputed with transition and XXXX  my late payments reported on credit report from XXXX. I supplied documents proving the late payments were jot late just deferred but neither will change my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Ive repeatedly disputed with XXXX  and equifax my late payments reported on credit report from XXXX. I supplied documents proving the late payments were jot late just deferred but neither will change my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XX/XX/XXXX. My daughters student loan was placed on a repayment plan. she has made payments to this loan ever since. President Biden has put a freeze on student loans at this time. 

my credit report shows it is serious delinquent. this loan is being taken care by my daughter. i believe that it should not reflect delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXXXXXX Inquired on XX/XX/2019, KOHLS/CAPONE Inquired on XX/XX/2019,. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
On XX/XX/2019 I contacted XXXX XXXX XXXX where I had previously received an XXXX XXXX  and purchase eyeglasses. My eyeglasses were stolen and I called the day before to set an appointment. I told the Receptionist that I got slapped by another XXXX XXXX and his fingernail scratch me in the XXXX. She suggested I see a Doctor upstairs instead of going through the doctor on the 1st floor that exam my XXXX  back then. She asked me did I have Insurance and I told her yes with XXXX XXXX XXXX XXXX. When I arrived the following morning they told me that the Doctor did not accept XXXX XXXX XXXX XXXX and I needed to go to their Emergency room. I went and 2 Doctors exam my XXXX  and said everything was fine, the receptionist took 2 insurance cards from me, one Was XXXX and the other was XXXX XXXX XXXX XXXX. I never committed to self-pay for an exam that I normally get free at XXXX XXXX XXXX  where I now have my eyeglasses. XXXX XXXX XXXX committed Fraud by charging me {$770.00} for an XXXX XXXX and placing it on all 3 of my Credit Reports. I contacted the Debt Collector Holloway Credit Solutions for the Dispute process and they still put it on my Credit Report. They both are in Violation of The Fair Credit Reporting Act and are liable up to {$1000.00} each on all reports in State and Federal Court. I am also a XXXX XXXX, a XXXX XXXX XXXX for The State of Alabama. Due to the collection on my Credit it is prohibiting me from borrowing money from my 2 Credit Unions for funding for my XXXX XXXX XXXX  to purchase XXXX. Right now that amount total is XXXX XXXX  they are responsible for me not getting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I recently obtained a copy of my credit report and found the item to be in error. I want to dispute the following inaccurate information that appears on my XXXX  credit report. The error which prompted this credit report dispute include late payments since XX/XX/2019, SANTANDER CONSUMER USA. I am kindly requesting SANTANDER CONSUMER USA to remove this late payment from my credit reports. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please remove inquires on my credit report immediately as this is fraudulent. I attempted previously without success.

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