vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc.
State: NC

Complaint narrative:
4.5 year ago i live in XXXX, and I move to XXXX, I contact XXXX XXXX to cancel the contract, they send me a prepaid box to send the equipment, I received 1 box and send all the equipment together, 2 weeks later i revived other pre-paid box, but i send all in only one box 2 week before, they never tell me to send in different boxes, they star charge me for the " lost equipment '', i tell does people i sending together, they don't believed and star calling me, and they put in my credit report in XXXX dispute # 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 2020-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
In a review of my credit file, I see this collection agency, Portfolio Recovery Associates, and a creditor, XXXX XXXX for two accounts ( XXXX XXXX XXXX XXXX ). I have no contractual agreement with this company. I have not signed any documents of any kind. This is collecting agency is collecting for two accounts as I previously noted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: Navient Solutions, LLC.
State: MO

Complaint narrative:
Hello, In XX/XX/XXXX and prior, Ive been going back and forth w/ Navient regarding several issues with my account. Being that several people were emailing me in regards to my concerns. No one was really checking my account for notes prior to contacting me after the last person. 

Anyway, the remaining issue still exists. On XXXX  report under Navient, instead of 2 accts. Only 1 acct. shows for Navient, that account shows as CLOSED, that acct. also has in the remarks section that they were included in my Chapter XXXX Bankruptcy ( Case # XXXX, filed XX/XX/XXXX, XXXX XX/XX/XXXX ) IF you so choose look up this public record, it will confirm that NO STUDENT LOANS WERE INCLUDED IN MY CHAPTER XXXX BANKRUPTCY. I have told all 3 credit bureaus this repeatedly, they have not removed this information. I have requested repeatedly from the student loan servicers to have this information removed & reported accurately. Instead on my report it just shows, consumer disputed ... .consumer disputed. Im disputing but nothing is being resolved. Whats the point in going through their processes in contacting them if they dont care? Please enlighten me. It is MY credit scores that are effected. It is me, thats buying a home. 

They can send out the right paperwork when billing but not care what the credit bureaus report based on THEIR information. Thats not ok.I need all Navients information to be reported accurately across all 3 credit bureaus. There are 2 ( TWO ) accts. not one, both are OPEN, under no circumstances were either filed in my Chapter XXXX Bankruptcy. Correct it. 

ALL DOCUMENTS ARE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I used to have a Tenant ( Ms XXXX XXXX ) who opened an account with Synchrony Bank XXXX XXXX XXXX XXXX ) and this Tenant passed away last year. I've been receiving multiple letters in my address every single week trying to collect the debt. I do not owe, the bill is not mine, I already sent 2 letters to Synchrony Bank requesting my address to be removed from this account and they continue to do so. I just called Synchrony and spoke to XXXX, who refused to handle the issue. I asked to talk to a manager and the manager refused to talk to me, XXXX refused to provide the manager 's name. This is absurd and is my privacy being affected.

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 2020-07-06 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:
I AM HAVING A SERIOUS ISSUE GETTING SOME ACCOUNTS REMOVED OFF OF MY CREDIT. I HAVE SENT 5 DISPUTES TO XXXX, XXXX AND TRANSUNION. I CAN NOT SEEM TO GET THEM TO DELETE THESE LAST FEW FRAUDULENT ACCOUNTS.

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 2020-07-06 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:
I AM HAVING A SERIOUS ISSUE GETTING SOME ACCOUNTS REMOVED OFF OF MY CREDIT. I HAVE SENT 5 DISPUTES TO EXPERIAN, XXXX  AND XXXX. I CAN NOT SEEM TO GET THEM TO DELETE THESE LAST FEW FRAUDULENT ACCOUNTS.

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 2020-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
In a review of my credit file, this company, Medical Data Systems, reports a medical debt on my credit report. I have no contractual agreement with this company. I did not sign any documents or even know about this company. I believe they are trying to take advantage of the elderly.

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 2020-07-06 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: NV

Complaint narrative:
The lease was paid in full at the end of 36 months. After we dropped off the car and was told that everything was done, four months later XXXX contacted us to tell us that we owed a drop off fee. This was never disclosed at the actual drop off of the car. When it was brought to my attention, we immediately paid the bill. XXXX never mailed us or called us to bring to our attention that we owed anything until 4 months after the actual drop off of the car. Ever since then, XXXX has wrecked havoc on our credit. Saying we missed 4 months of payments. Then saying we was late 90 days twice in two different years. If you check our accounts, we had a perfect payment history with them on three separate accounts. Even now on our experian accounts, the account in question shows paid in full 100 % on XX/XX/2018 followed immediately by a 90 late accusation. We've asked XXXX to fix this and filed disputes with the credit agencies to no avail. All XXXX does is keep misreporting and affecting mine and my wife 's credit. Please remove this erroneous blemishes from our 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 2020-07-06 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: NV

Complaint narrative:
The lease was paid in full at the end of 36 months. After we dropped off the car and was told that everything was done, four months later XXXX contacted us to tell us that we owed a drop off fee. This was never disclosed at the actual drop off of the car. When it was brought to my attention, we immediately paid the bill. XXXX never mailed us or called us to bring to our attention that we owed anything until 4 months after the actual drop off of the car. Ever since then, XXXX has wrecked havoc on our credit. Saying we missed 4 months of payments. Then saying we was late 90 days twice in two different years. If you check our accounts, we had a perfect payment history with them on three separate accounts. Even now on our experian accounts, the account in question shows paid in full 100 % on XX/XX/2018 followed immediately by a 90 late accusation. We've asked XXXX to fix this and filed disputes with the credit agencies to no avail. All XXXX does is keep misreporting and affecting mine and my wife 's credit. Please remove this erroneous blemishes from our credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The lease was paid in full at the end of 36 months. After we dropped off the car and was told that everything was done, four months later XXXX contacted us to tell us that we owed a drop off fee. This was never disclosed at the actual drop off of the car. When it was brought to my attention, we immediately paid the bill. XXXX never mailed us or called us to bring to our attention that we owed anything until 4 months after the actual drop off of the car. Ever since then, XXXX has wrecked havoc on our credit. Saying we missed 4 months of payments. Then saying we was late 90 days twice in two different years. If you check our accounts, we had a perfect payment history with them on three separate accounts. Even now on our experian accounts, the account in question shows paid in full 100 % on XX/XX/2018 followed immediately by a 90 late accusation. We've asked XXXX to fix this and filed disputes with the credit agencies to no avail. All XXXX does is keep misreporting and affecting mine and my wife 's credit. Please remove this erroneous blemishes from our 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
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Choice Recovery, Inc.
State: TX

Complaint narrative:
In a review of my credit file, I see, Choice Recovery, listed on my credit file. I have never heard of this company. I believe they are trying to take advantage of the elderly. They are depressing my credit score with their entry on my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America- Account # XXXX XXXX XXXX XXXX I've had Bank of America for over a decade and I've been fighting this issue for the last two years. Applied and was granted a payment plan Recently, due to COVID I've accepted a payment deferral plan in XXXX ( which is supposed to deter late payment fee's/credit reporting while on the plan- per their website ). 

However, late payments occurred on my credit report XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. This is incredibly disappointing especially at a time like this. 

I would like CFPB to investigate this " COVID relief plan '' the bank is offering because it is FALSE advertising and ruining people 's lives. Highly unacceptable and disappointing from bank like this.

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 2020-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Business Revenue Systems, Inc.
State: AZ

Complaint narrative:
I received a letter from a debt collector called Business revenue systems for the total of XXXX $ and I can only pay it with a credit card. The letter said they were collecting on behalf of a business called XXXX XXXX, which is a fake company and also not one I have ever been to. The letter said they will continue to come after me until I pay it. The phone number listed to call is fake and the online payment is clearly a scam to steal credit card information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: DISCOVER BANK
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2020 I am not sure how this happened, I believe that I had set up automatic payments and did not opt-out to received my statements however for the past few months I haven't been receiving my statements so I am assuming that everything is fine since I have set up automatic payments for my account. My only thought is that due to this pandemic COVID-19 the world is experiencing right now I got caught up and wasn't able to double-check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: GA

Complaint narrative:
Request a new investigation and dispute re-insertion. A simple letter is sufficient : On XX/XX/2020 I discovered XXXX  XXXX XXXX had been re-inserted into my credit file. You are required to notify me of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. 

Neither XXXX  nor the collection agency has provided me with debt validation letter nor a reinsertion letter the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you. Additionally, the creditor who reinserts the negative item must also certify the information is correct.

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 2020-07-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit report agencies are reporting the same accounts as a charge off and collections ( XXXX XXXX XXXX and XXXX XXXX . The accounts have a great deal of interest added to them. 

2. I also have a charged-off accounts for XXXX XXXX XXXX and XXXX XXXX XXXX  3. I have late payments for XXXX XXXX XXXX and 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 2020-07-07 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: AR

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2020-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
My Wife and I XXXX XXXX XXXX were contacted ERC, a credit collection agency. They claimed we owe {$6800.00} on their XX/XX/2020 notice. The nature of the claim is we owe XXXX XXXX XXXX on Account XXXX. 

I contacted the Fraud department of XXXX XXXX XXXX and they said they would investigate. That the {$6800.00} if from four cell phones XXXX ; XXXX XXXX ; XXXX XXXX   and XXXX XXXX. These number are a complete mystery and I told the XXXX XXXX XXXX  Fraud Department.

Today I receive a notification from XXXX XXXX XXXX saying Based on investigation, we conclude that we are responsible for this debt and they are proceeding to collections. 

Please help, we are senior citizens with two cell phones XXXX XXXX XXXX and XXXX XXXX both XXXX. My wife is very upset and so I tried to call the XXXX XXXX XXXX fraud office at XXXX ( five times ) today. They ( XXXX Fraud Department ) want a password or access number for an account we have no knowledge therefore they system hangs up or does not allow us to advance to speak with anyone. Furthermore, the XXXX  XX/XX/2020 letter says if we do not speak with them by XX/XX/2020 we are required to pay the {$6800.00} I called our Congresswoman XXXX XXXX and her Assistant recommend we contact you to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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:
The credit report agencies are reporting the same accounts as a charge off and collections ( XXXX XXXX XXXX and XXXX XXXX XXXX The accounts have a great deal of interest added to them. 

2. I also have a charged-off accounts for XXXX XXXX XXXX and XXXX XXXX XXXX  3. I have late payments for XXXX XXXX XXXX and 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 2020-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit report agencies are reporting the same accounts as a charge off and collections ( XXXX XXXX XXXX and XXXX XXXX XXXX The accounts have a great deal of interest added to them. 

2. I also have a charged-off accounts for XXXX XXXX XXXX and XXXX XXXX XXXX  3. I have late payments for XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: VA

Complaint narrative:
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX I've had XXXX XXXX  XXXX for over a decade and I've been fighting this issue for the last two years. Applied and was granted a payment plan Recently, due to COVID I've accepted a payment deferral plan in XXXX ( which is supposed to deter late payment fee's/credit reporting while on the plan- per their website ). 

However, late payments occurred on my credit report XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. This is incredibly disappointing especially at a time like this. 

I would like CFPB to investigate this " COVID relief plan '' the bank is offering because it is FALSE advertising and ruining people 's lives. Highly unacceptable and disappointing from bank like this.

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 2020-07-07 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: VA

Complaint narrative:
XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX I've had XXXX XXXX  XXXX for over a decade and I've been fighting this issue for the last two years. Applied and was granted a payment plan Recently, due to COVID I've accepted a payment deferral plan in XXXX ( which is supposed to deter late payment fee's/credit reporting while on the plan- per their website ). 

However, late payments occurred on my credit report XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. This is incredibly disappointing especially at a time like this. 

I would like CFPB to investigate this " COVID relief plan '' the bank is offering because it is FALSE advertising and ruining people 's lives. Highly unacceptable and disappointing from bank like this.

Company response to consumer: Closed with explanation