vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-08 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: MA

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Experian provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon possible : XXXX XXXX XXXX Date opened XX/XX/2021 Balance $ XXXXLate/Open Late Dates 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 2022-09-08 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: SC

Complaint narrative:
I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$13000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2900.00} XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXXBalance : {$260.00} XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXXBalance XXXX {$1100.00} XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX ) XXXXBalance : {$380.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX {$74.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: SC

Complaint narrative:
I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$13000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXXBalance : {$260.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX XXXX {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$380.00} XXXX XXXX XXXX  XXXX : {$0.00} XXXX  XXXXBalance : {$74.00}

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 non-monetary relief
Consumer complaint received 2022-09-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I'm reaching out to you because, I been disputing a loan that appeared on my Consumer Credit Reports reported by Navient. These loan was taken on the year XXXX, while I lived in CT. The loan was taken with a private lender and was transferred to Navient back at year XXXX. Navient have been reported incorrect, incomplete amount incomplete account number, incorrect date of first delinquency, and incorrect the FCRA compliance date. 

Time and time again I have requested for Navient to provide a copy of original application as to when the loan was taken and as today I have not received anything. 

I recently spoke with Navient and requested for information mentioned above they direct me to their website and require me to open an account only to direct to enter more information and no where in the site where I can request for the original application to verify the loans taken.. 
********************************** Below is similar sent to Credit Bureau requesting copy of original documentation from Navient. 


XX/XX/XXXX Re : 2nd Letter ********************************* Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am inquiring about Navient and Account Number XXXX. Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and provide me a report with the date of first delinquency, the FCRA compliance date and the name of the party who reported the date of first delinquency. 
Sincerely, XXXX XXXX XXXX Enclosures : is a copy of my SSI and Driver License.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: GA

Complaint narrative:
XXXX, Trans Union and XXXX are reporting misleading information. It's been over 30days and they still have not acknowledged my identity theft report. Please help me resolve this issue.

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 2022-09-08 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: GA

Complaint narrative:
Equifax, XXXX XXXX and XXXX are reporting misleading information. It's been over 30days and they still have not acknowledged my identity theft report. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I had a XXXX phone account over 3 years ago. I cancelled service. Turned in all equipment and got service immediately from another carrier. They continued to bill me without me even knowing. I never received a bill or statement due to the fact that I relocated

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 2022-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MI

Complaint narrative:
I set up direct debit from my checking account on a recurring basis in an amount which exceeds the minimum payment. Since setting this up I have received notices that my payments are late or have not been made but that is not accurate because the money has been debited from my account. I have tried to get in contact with the servicer but my attempts have gone unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: AL

Complaint narrative:
I have unauthorized hard inquiries reporting on my credit file that I didnt authorize nor recognize. I have tried disputing these inquiries. Please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: AL

Complaint narrative:
I have unauthorized hard inquiries reporting on my credit file that I didnt authorize nor recognize. I have tried disputing these inquiries. Please remove

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 2022-09-08 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: AL

Complaint narrative:
I have unauthorized hard inquiries reporting on my credit file that I didnt authorize nor recognize. I have tried disputing these inquiries. Please remove

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 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Had phone service with XXXX. Cancelled it and returned equipment. Immediately had service with a different carrier. They continued to charge me and I didnt even know. Because I had relocated to another area

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Since the beginning of this year I have noticed a Charge off appearing on my account under Kia Motors Finance. The thing is I returned this vehicle to XXXX MONTHS AGO when the lease was up. The car was returned and in their possession yet they are somehow reporting that this account is a charge off? I have never been late once on this account and they are now in possession of the car. THIS HAS BEEN AFFECTING MY LIVELIHOOD. Kia 's irresponsibleness has lead to my credit report being damaged for no reason. I have tried disputing this, calling in, but maybe I am doing something wrong. I have now decided to submit a complaint and if not resolved continue this complaint with legal action. Again this vehicle was returned on time and was at XXXX XXXX XXXX as soon as the lease was up on XXXX. Please resolve this as I do not know why this is reporting on my credit as a charge off from XX/XX/XXXX until XX/XX/XXXX. This is wrong.

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 2022-09-08 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: AES/PHEAA
State: MO

Complaint narrative:
I have written AESXXXX several letters disputing information reporting inaccurately in my credit file and they have NOT done an investigation. If they had, they would see the errors and they should not have sent me a verified as accurate letter. I informed XXXX XXXX XXXX and XXXX as well as AESXXXX that there are two different dates for last payment. IT HAS NOT BEEN CHANGED OR UPDATED. I informed them of no account number on my XXXX report. IT HAS NOT BEEN CHANGED OR UPDATED. This was not an accurate investigation at all!!!!! AES and all the credit bureaus continue to report in accurately damaging my credit. All information must be correct on all of my credit reports according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-09-08 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
After multiple attempts to solve this problem, I have decided to file a complaint with CFPB. There is a late payment reporting on the month of XX/XX/2021 for my account. During the time, you guys were notified that I had XXXX XXXX XXXX XXXX XXXX. This was during the huge spike in XXXX in XXXX cases and XXXX XXXX XXXX, as a result my employment was affected which is why the late happened. From what I understand, if I had fallen ill and was unable to pay there is a law that protects this from reporting as a late on my credit report. Please look into this as I have always been a good customer and paid my bills on time. If it would not have been for a situation out of my control, this would have never happened. This is now affecting my whole life as my credit score dropped XXXX points for something I have no control over. Please help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I was not using XXXX XXXX at this time because my drivers license was revoked by the state of NJ Should have never went to collections. I recieved no information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-09-08 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Was not using XXXX XXXX at this time because the state of nj had revoked my driver 's license and I canceled policy. Don't know why it was turned over to collections.

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 2022-09-08 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: MO

Complaint narrative:
I have written XXXX several letters disputing information reporting inaccurately in my credit file and they have NOT done an investigation. If they had, they would see the errors and they should not have sent me a verified as accurate letter. I informed Equifax XXXX XXXX and XXXX as well as XXXX that there are XXXX different dates for last payment. IT HAS NOT BEEN CHANGED OR UPDATED. I informed them of no account number on my Equifax report. IT HAS NOT BEEN CHANGED OR UPDATED. This was not an accurate investigation at all!!!!! XXXX and all the credit bureaus continue to report in accurately damaging my credit. All information must be correct on all of my credit reports according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: MO

Complaint narrative:
I have written XXXX several letters disputing information reporting inaccurately in my credit file and they have NOT done an investigation. If they had, they would see the errors and they should not have sent me a verified as accurate letter. I informed XXXX XXXX XXXX and Experian as well as XXXX that there are XXXX different dates for last payment. IT HAS NOT BEEN CHANGED OR UPDATED. I informed them of no account number on my XXXX report. IT HAS NOT BEEN CHANGED OR UPDATED. This was not an accurate investigation at all!!!!! XXXX and all the credit bureaus continue to report in accurately damaging my credit. All information must be correct on all of my credit reports according to the FCRA.

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 2022-09-08 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from 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 explanation