vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-28 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:
Collection account from XXXX XXXX  XXXX  should not be on my credit report. The account is in litigation. There is no evidence account was initiated for or applied for by me. Account Ownership is incorrect and fraudulent. 

Account Info : Account number XXXX Collection opened XX/XX/2020 Account type Collection XXXX XXXX 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 explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I've called on numerous occasion to get details on getting my loan discharged due to the misrepresentation/deceit/fraudulent activities from XXXX XXXX who faced massive lawsuits and {>= $1,000,000} settlement in response to their violations for committing illegal behaviors. I'm totally aware that I'm not the only person who was impacted by XXXX XXXX deceptive marketing practices, there are thousands of other students just like me whom need assistance too. XXXX XXXX violated some Federal, State or Local Laws directly against me, by lying to me, making false promises, and committed fraud. I attended there in XXXX I told them I wasn't being hired on the program I attended, I was told I needed to get under another program in order to obtain the correct job. I exhausted my Military G.I. Bill in hopes of a better of life. Even after the government discharged federal student loans and found XXXX XXXX guilty of fraud. I'm still continue making payments to Navient. I would like these loans discharged. In XX/XX/2020, CFPB reached another settlement, requiring XXXX to forgive {$330.00} XXXX in outstanding student loan balances. In total, XXXX XXXX has erased more than {$500.00} XXXX in private student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: NJ

Complaint narrative:
these account don't belong to me.please remove account : 1. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
I recently filed a dispute in regards to items that are incorrect on my credit report. It has been more than 30 days & I still have not received my results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: NY

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting " INACCURATE '', " INCOMPLETE '' and " UNFAIR '' credit information. 

According to the Fair Credit Reporting Act, 15 USC 1681. ( a ) ( 4 ), consumer reporting agencies are required by federal law to exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

I am distressed that the Credit Bureaus have included inaccurate, unfair, and incomplete information in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely " ACCURATE '' and " FAIR ''. The following information therefore needs to be blocked and removed! 


1. Please block and remove this INACCURATE and UNFAIR data on my credit report. Chapter XXXX Bankruptcy Case Number : XXXX 2. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX 3. Please block and remove this INACCURATE and UNFAIR data on my credit reportXXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX 5. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX XXXX XXXX Account Number : XXXX XXXX. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX Please see the following exhibits in my one single attachment. 

Exhibit A : XX/XX/2021 See below evidence that the US Bankruptcy Court of XXXX District of New York does not report to any of the agencies. 

Exhibit B : XX/XX/2021 I have opted out of XXXX XXXX, which houses bankruptcy data. 

Exhibit C : XX/XX/2021 I received a letter from XXXX XXXX that this information was removed from my file. 

As you can see from the above exhibits, this evidence supports that the proper procedures and fairness have not been maintained.

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 2021-06-28 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: SC

Complaint narrative:
I sent XXXX, XXXX  and Equifax a complaint about an account and inaccurate inquiries that has been reported on my credit report. I sent them formal 609 dispute letters on XX/XX/2021 and haven't been able to get a response back after 30 days. I sent an additional 30 day demand and compliance letter once the time period of 30 days has passed and I still haven't received any response. They haven't been able to verify the inaccurate account that they are reporting on my credit report and I would appreciate it if they were to remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I am having issues with the credit bureaus, Experian, XX/XX/XXXX, and XX/XX/XXXX. I have been submitting disputes for the past 6 months, and I have not received not even ONE letter from the bureaus. Per my investigation, the bureaus under the law have 30 days to provide results and I have yet to receive ANYTHING! 
I am requesting that the bureaus provide results to me in a timely matter and remove these erroneous items off my credit.

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 2021-06-28 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: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 
3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
There is a debt from XXXX in the amount of {$2400.00} that I have to keep disputing and requesting validation on for the the past year or so. In XX/XX/2020 XXXX sold this debt to a company named XXXX XXXX ; who failed to validate the debt and was deleted from my report. Then XXXX decided to sell the {$2400.00} debt to XXXX XXXX XXXX in XX/XX/2020 ; and in turn they failed to validate the debt and was deleted from my reports the 2nd time. Now going on the third attempt ; XXXX has decided to sell this {$2400.00} debt to Source Receivables Management company in XXXX, NC. I have sent out a certified letter to this new company to validate this debt XXXX debt for {$2400.00}. 

I am tired of XXXX keep going from different collection companies ; trying to collect a debt they failed to validate twice already. I have asked them several times to provide the following items below for validation : An explanation of what this alleged account balance is for. 
A calculation of this balance ; including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation showing, I agreed to pay this debt The Agreement that grants authority to collect on this alleged debt. 
A copy of your state license, including license number. 

XXXX has violated my consumer rights and failed to validate this debt at my request ; which is an FDCPA violation and they continued to report a disputed debt which is an FCRA violation. The FCRA requires the company and bureaus to verify the validity of this debt within 30 days. If the validity can not be confirmed, they are obligated by law to remove it from my credit file. Since they have failed so many times I am asking that they cease sending me collection letters from several different companies trying to collect a debt that does not belong to me and I have provided documentation stating this does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: MO

Complaint narrative:
On XXXX I submitted a dispute to TransUnion regarding a Bankruptcy on my credit report. They send a letter dated XXXX indicating they contacted the US XXXX District Bankruptcy Clerk 's Office in XXXX  XXXX, Missouri and stated they verified it as accurate. I contacted the courts office and they stated they do not report or verify any tradelines with credit reporting agencies. They lied and used the courts in a false and misleading way. They should stop using official court representation for something they are not doing.

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 2021-06-28 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: TX

Complaint narrative:
Transunion, LLC showed my credit score to be XXXX on XX/XX/2021. On XX/XX/2021 my credit score dropped XXXX points to a score of XXXX. The only activity on my Transunion account was a request from XXXX/XXXX  to remove all information in regards to their account from my credit history. This request was sent to all three credit bureaus and should not have affected my credit score with Transunion. There was no information concerning any XXXX/XXXX  currently or history on my Transunion credit report. 
The other credit bureaus increased my score by approximately XXXX points after the XXXX/XXXX  removal. There was no negative credit information reported to Transunion on my account and no reason to lower my score.

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 2021-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
USBANK : My Name is XXXX XXXX I have an Checking account XXXX and Routing Number XXXX. 
I purchased the tickets from XXXXXXXX XXXX XXXX  on XX/XX/2021 in morning and request transfer electronic funds to XXXX XXXX Account Number XXXX and Routing Number XXXX, XXXX XXXX XXXX XXXX after tickets confirmed from XXXX XXXX. 
In evening when i called XXXX XXXX they told me tickets are cancelled by Travel Agent. 

I called USBANK customer service to cancel this payment, it was due on XX/XX/2021 because of Saturday and Sunday and it takes 4 days to transfer the funds too. 
Bank Customer transferred to Fraud and Dispute transfer and told me after trasferred money " We will file a disputed case and then returned your money of {$1200.00} ''. 
I called so many times on recorded lines and all the time i got different reply. 

I call Cops and filed the complaint and give the complaint copy to Bank, Filled three times disputed forms. 
Two time bank fraud department told me you will get money in 1 week, I called after one week, they told me it is denyed, filed one more time disputed form. then i followed it, Fraud section told me they are working but you will get your money. 

I followed almost 10 times all are on recorded line, finally bank disputed section told we can't returned your money reason in I transferred electronically. 
But Same day i spoke to Bank asked them to cancel this transaction immediately because Agent is Fruad. 
I spoke to Agent 's Bank too but they told me go Cops which i did reported the complaint too.

I filed this complaint AIG office, XXXX XXXX but No action. 

I am looking for my refund from USBANK, because they didnt cancel when i asked but they told me after transaction we will file dispute and refund money. 

All conversation on recorded line on US BAnk. 

Looking for your help. 
Thanks XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Email : XXXX Phone : XXXX ' Thanks

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 2021-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ALLIANT CREDIT UNION
State: WA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX person was sent to our home, who brought closing documents for us to sign. We are been charged for this service we were not allowed to find this service on our own which would have cost a lot less. We did sign these documents on XX/XX/XXXX. 
One of the items, in these documents, listed in " Closing Cost Details '', lists numerous charges, as well as a list of our accounts, which XXXX insist on paying off for us, using proceeds from the loan. 
As I am writing this response, it is Monday, XX/XX/XXXX, XXXX XXXX, PST, none of the accounts listed in Payoffs and Payments section are paid off! Only the cash small part of the loan, that is due to us, was deposited in our account today. 
This is todays response from XXXX : I apologize for the delay, the last communication I received from the title company was that your loan was in queue to be released. I have no control over the time it takes it release the funds or for the receiving party to process payments received. 
I have requested status updates from the title company again this morning and will forward the response. 
And then response from the title company : This has disbursed. Thank you for partnering with XXXX! 

We didnt choose this title company- XXXX did! We are forced to pay for these services directly and now by paying an interest for the loans to be paid off and the loan used to pay it off at the same time! 

I wonder how much of money from " Prepaid Interest ( {$21.00} per day from XX/XX/XXXX to XX/XX/XXXX - {$130.00} XXXX expects to collect from us, while we paying interest in the accounts, they were supposed to pay off by XX/XX/XXXX!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am having issues with the credit bureaus, XXXX, Transunion, and XXXX. I have been submitting disputes for the past 6 months, and I have not received not even ONE letter from the bureaus. Per my investigation, the bureaus under the law have 30 days to provide results and I have yet to receive ANYTHING! 
I am requesting that the bureaus provide results to me in a timely matter and remove these erroneous items off my credit.

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 2021-06-28 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: UT

Complaint narrative:
I am having issues with the credit bureaus, XXXX, XXXX, and Equifax. I have been submitting disputes for the past 6 months, and I have not received not even ONE letter from the bureaus. Per my investigation, the bureaus under the law have 30 days to provide results and I have yet to receive ANYTHING! 
I am requesting that the bureaus provide results to me in a timely matter and remove these erroneous items off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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:
Collection account from XXXX XXXX XXXX should not be on my credit report. The account is in litigation. There is no evidence account was initiated for or applied for by me. Account Ownership is incorrect and fraudulent. 

Account Info : Account number XXXX Collection opened XX/XX/2020 Account type Collection XXXX XXXX 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 explanation
Consumer complaint received 2021-06-28 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: FL

Complaint narrative:
Collection account from XXXXXXXX XXXX XXXX should not be on my credit report. The account is in litigation. There is no evidence account was initiated for or applied for by me. Account Ownership is incorrect and fraudulent. 

Account Info : Account number XXXX Collection opened XX/XX/2020 Account type Collection XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have received a bill that was created on XX/XX/2021 from portfolio recovery associates for charge off balance : XXXX and a balance of XXXX stating that an account was created with my personal information without my permission and a debt that was not validated by me the original creditor and consumer. It was stated that this information was sent to the litigation department in their company and any information obtained to about me to collect debt will be used for that purpose. 

I will be mailing a letter to dispute this debt and to demand this company to remove this collection from off all three credit bureaus. Also to cease and desist all communication with me written and orally and sending a affidavit of truth. 

This company violated list of all the violations under FDCPA with a monetary of {$1000.00} 15 usc 1692c ( a ) 15 usc 1692d ( 1 ) 15 usc 1692e ( 10 ) 15 usc 1692f ( 1 ) and Identity Thief collection my personal info without consent and account made without my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28 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: NC

Complaint narrative:
I have sent investigation and dispute letters on the following dates : XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 Not only have they not performed any investigation into these items like I requested, but they have not sent me any investigation results by mail. This is a DIRECT VIOLATION OF MY RIGHTS! I have tried to be nice, and respectful, but the bureaus have ignored my requests to investigate these accounts that are reporting incorrect information on my credit reports. The following items should be removed from reporting to my file immediately because they have not investigated them in the time allowed by the FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TRUEBILL, INC
State: SC

Complaint narrative:
$ XXXXevery month since XX/XX/2021 Tried emailing them and won't answer phone calls My bank stated I can't stop the withdrawal without changing account number s It's a company name Truebill XXXX XXXX

Company response to consumer: Closed with monetary relief