vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-20 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2022-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services
State: MI

Complaint narrative:
My student loans were serviced by ACS from XX/XX/XXXX to XX/XX/XXXX. The loan amortization schedule I have from those dates is Wrong and most likely criminal. Also in XXXX while I was XXXX  for my first child I was struggling to pay my loans. I was told at the time, that forbearance was my best option. Looking back this was a huge mistake. They carried this capitalized interest from the forbearance for XXXX XXXX years, which added {$10000.00} dollars to my student loans. I requested paper copies of the loan amortization schedule and received a few lines of useless information followed by mostly blacked out bars of missing information. It seems they were covering up for a huge fraud with incorrect interest application, or my student loans were somehow part of project blue book. I found some paperwork in my old files and went through the schedule and have found some incorrect, frankly predatory payment allocations. The principal of the loan was never being paid, only the interest for 7 years. The balance never went down it only went UP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
Hello I'm wanting to change my account open date to XX/XX/2022. I am aware that Wells Fargo is currently reporting my account as is should. I Currently am enrolled in auto pay and my account has been paying on time for over 6 months. I am very thankful for the opportunity and hope to hear back soon Thank You

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 2022-06-20 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: IL

Complaint narrative:
On XX/XX/XXXX, I received correspondence from Trans Union file # XXXX indicating that they completed their investigation and that the following accounts were verified. 
XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX After looking at the results the Credit Bureau has not done a proper investigation under 15 USC 1681 ia ( e ). The law clearly states, and the statue indicates investigative consumer report ( XXXX ) The term " investigative consumer report '' means a consumer report of portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning nay such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or form the consumer. 
Trans Union is continuously violating my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Clearly States the credit bureaus have 5 days to notify me from when they receive my disputes. They also violated my rights under 15 USC 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

Trans Union also failed to follow the statue regarding 15 USC section 1681 i ( a ) they failed to provide accounting of their complete investigation as required by the statue and case law that has been ruled in many circuits in US District Court. A violation of 1681 i ( a ) requires a consumer reporting agency to conduct a reasonable reinvestigation of the disputed information contained in the consumers credit file requiring the consumer reporting agency to have disclosed the consumers credit file. Also, in case law Bryant v. TRW, Inc. 689F.2d 72, 79 ( 6th Cir. 1982 ) ( making two telephone calls to the creditor was insufficient to re-verify disputed information ). Because there was a genuine issue of material fact regarding whether XXXX  was negligent in failing to comply with the reasonable reinvestigation requirement, the district court then had to decide whether there was a genuine issue of material facts.

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 2022-06-20 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: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
MIDLAND CREDIT MANAGEMENT said they acquired this alleged debt from another company and that they contacted me via mail. I never received any certified mail or any documents from MIDLAND CREDIT MANAGEMENT at my place of abode. MIDLAND CREDIT MANAGEMENT must provide documentary proof that I RECEIVED any communication from them giving them permission to furnish anything on my consumer report or delete the account immediately. The GRAM LEACH BLILEY ACT clearly states I, the consumer, must receive an option to opt out of any of my non-public personal information being shared without my permission. In addition, the definition of communication of a debt when it comes to the FCRA is : communication directly or indirectly regarding an alleged debt across ANY medium. My consumer report is a medium and your reporting is communication. You are in direct violation and must cease or I will not hesitate to hire legal counsel and seek damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners
State: AR

Complaint narrative:
XXXX XXXX is stating the debt was acquired from TX XXXX XXXX for portion not covered by insurance. This debt was originally sold to Pendrix Capital Partners. The debt was incurred paid by insurance XXXX XXXX XXXX XXXX. When Pendrix attempted to collect the debt, a request of the itemized breakdown was ask for which was not provided. However payment from XXXX XXXX XXXX  Account was used to rectify the debt. Then a bill from XXXX XXXX was received. Upon contact XXXX, I was advised that " Pendrix was our client we are collecting on behalf of, however for anything prior XX/XX/2022, you would need to contact Pendrix ''. I advised it not my responsibility to verify the balance they are collecting on behalf of their client to which has been resolved. This debt is rectified, however they appear to be " reselling it '' without ownership from XXXX to valid the amount on behalf of their client Pendrix. This is predatory collection whereby no one is stating ownership of validating balance or paid in full and allowing it to be reported to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2022-06-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: NV

Complaint narrative:
Hello, We are contacting you regarding an issue we are experiencing with XXXX XXXX and Monterey Financial Services. XXXX XXXX forfeited our timeshare ownership, and we called and confirmed that our account was foreclosed in XXXX of XXXX. It is now XXXX, and Monterey Financial Services has notified us that they now have the account in collections. How can they legally collect when the timeshare told us our account was foreclosed? Also, why did they not try to collect when our account was active, until waiting months to put us on notice that they now are trying to collect on the total amount. Something is amiss here, and we need someone to look into this for us. Please assist us in this endeavor so we can resolve this once and for all. 
Regards, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you update and delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 non-monetary relief
Consumer complaint received 2022-06-20 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Today XXXX XXXX, Experian via email gave results to an investigative report of the disputed inaccuracies on my consumer credit file and report. They concluded that they spoke to the creditor ( s ) XXXX  XXXX - XXXX, XXXX  XXXX - XXXX, XXXX XXXX XXXX XXXX  - XXXX and the creditors certified ( officially attested to something they were not witness to ) to Experian that the information was accurate and factual. ( Exhibit A ). With that written on my consumer report that is evidence of willful noncompliance of 15 USC 1681a ( e ), as it states no factual information shall be furnished on the consumer 's credit record obtained directly from the creditor or person reporting the information. Experian unfair acts and refusal to remove what should be EXCLUDED from my consumer report has caused financial and emotional damages and injuries. They are not following my written instructions of what I am allowing them to furnish pursuant to 15 USC 1681b ( a ) ( 2 ). Experian is also reporting transactions that are dealing with an extension of consumer credit via a credit card which Congress said shall NOT be furnished on consumer reports.

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 2022-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
On XX/XX/2022 I called Bridgecrest to request an extension on both of my vehicles due to not having a job.I have been an outstanding paying customer, no late payments and this is my first time requesting something like this. At first I was told I had to pay half on each vehicle and again I explained I don't have a job! So I called back on the XXXX of XXXX and spoke with someone else and that representative put in a request for a one month extension which isn't a month because a payment is due XX/XX/XXXX and XXXX! 

I keep getting harassing phone calls daily from the company to the point I am lashing out because I'm requesting help and they are ignoring the request which has still not been approved. I promised to pay XX/XX/XXXX and XXXX and I truly believe they are waiting for me to pay instead of granting me an extension. Which will cause a missed payment for the month of XXXX to be reported on my credit report. I've never known a decision to take almost a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: MI

Complaint narrative:
on. for 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  Account # : XXXX Date Opened : XX/XX/XXXX reported late payments XXXX  XXXX Account # XXXX Date XXXX reporting late payments to my credit profile XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX : {$240.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 15 U.S.C 1681c . ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.

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 2022-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Coradius International LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Coradius International LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : This letter is regarding account ************* XXXX, which you claim I owe XXXX XXXX XXXX {$14000.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspondent local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative marks found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for debt a debt that I don't owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete this entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond may result in small claims and legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : * defamation * Negligent Enablement of Identity Fraud * Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) * Violation of the Fair Credit Reporting Act ( Including but not limited to Section 623-b ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/2021 I was hacked by an individual over the phone that posed to be fixing a computer problem and got into my bank account and stole {$1000.00} dollars by a XXXX transfer from my Checking account. It happened so fast I didnt understand what XXXX was and had never used it to transfer money I dont even know who it was transferred to. I reported it to the bank and after several weeks received a letter saying I was denied the return of my stolen funds to my bank 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 2022-06-20 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you update and delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2022-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have been trying for over a year to get the inaccurate information such as addresses and employment information removed off of my consumer reports and these companies are not removing them. In fact they are completely ignoring me and my request. 

Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer report being fair and accurate. My personal information is completely INACCURATE. This is completely unfair to me because I was never even notified when these companies initial investigation begun and that they were going to report this information. This grave error has undermined my confidence in your company 's procedures and as a result, I will NO longer be extending credit and if this information is not removed, I no longer want my information reported in your company 's database.

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