vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-09 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: AR

Complaint narrative:
Since my XX/XX/2020 complaint, there has been NO correction to my late payment of account # XXXX, although I have file more disputes. This account XXXX XXXX XXXX is a consolidated IDR/IBR under DLSTFD loan program reducing financial hardship, allowing me to make one payment for my student loans. All 3 Credit Bureaus Transunion, XXXX and XXXX are reporting each loans outside of the consolidation account # XXXX XXXX XXXX, as an individual, reporting 18 times late payment, under XXXX XXXX, .account. This 18 reporting late payments are inaccurate reporting, under the DLSTFD loan program, consolidated loans reduce hardship by assigning a account number XXXX XXXX XXXX. This DLSTFD loan program allow me to make 1 payment for all my student loans. Please investigate and remove from report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: AR

Complaint narrative:
Since my XX/XX/2020 complaint, there has been NO correction to my late payment of account # XXXX, although I have file more disputes. This account XXXX XXXX XXXX is a consolidated IDR/IBR under DLSTFD loan program reducing financial hardship, allowing me to make one payment for my student loans. All 3 Credit Bureaus XXXX, XXXX and Equifax are reporting each loans outside of the consolidation account # XXXX XXXX XXXX, as an individual, reporting 18 times late payment, under XXXX XXXX, .account. This 18 reporting late payments are inaccurate reporting, under the DLSTFD loan program, consolidated loans reduce hardship by assigning a account number XXXX XXXX XXXX. This DLSTFD loan program allow me to make 1 payment for all my student loans. Please investigate and remove from report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: FL

Complaint narrative:
I received an email from Experian saying I have a credit increase, when I tried to login the account belong to someone else. This is breach of someone else credit information using my email to login and reset the person password. This should not be happening, someone else could have my information sent to their email with the same 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 explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Notice for Proof of Claim Account : Source Receivables Mng, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab into. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

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 2021-01-09 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: OH

Complaint narrative:
Notice for Proof of Claim Account : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab into. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

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 2021-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
This Is my second attempt to communicate to this creditor. this debt from XXXX XXXX is not mine. This previously disputed account that was REMOVED from my credit file. 
Has simply been renamed or purchased by a different COLLECTION ageny in an attempt to fraudulently collect this UNVERIFIBLE DEBT. I demanded picture confimation showing this debt was mine and was not provided. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, While some were removed others have simply sold the debt and is now reporting again. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/ identity theft all is being investigated by the FTC according to the FCRA 605B this information must be removed immediately until the investigation is over.

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 2021-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
Navy Federal Credit Union took money from my account that had just been opened after NOT allowing me open after 28 years. I had a BK in XXXX  that was discharged from XXXX county. I had two items with NFCU, a consolidated loan for approx 18K and apparently a visa that had a balance of approx 4300. For the past 28 years Id been trying to re-establish credit and was never able to open an account online. No one at NFCU could ever tell me why not. In XXXX of XXXX, a rep finally told me it appeared that a there was a block on my account due to some uncollected debt. I had explained that was part of the BK back in XXXX, she said oh no problem, Ill eat the BK dept know I had also asked if any money would be taken if I began to deposit money and she said not, its been cleared up. Well, I began to transfer money and once I hit about XXXX dollars in the account, two week later NFCU debited my account and said it was for the uncollected money from this visa. I had begged and pleaded telling them I had the case number, the date of the BK and that money was not theirs to take, it was part of the discharge in XXXX. They said they saw the BK filing, but dont have anything on file that shows it was discharged. I asked them to try to find the consolidated loan as they didnt collect for that one. If they could find the old records on that account, theyd see it was all part of the same BK. They could not locate the other loan, they said they had no record of that other loan at all. In my opinion, thats because it was DISCHARGED. I have written to the president, XXXX XXXX who just forwarded my information to the BK department but the BK dept is not willing to release my money back to me. Its been 28 years, they have never made an attempt to collect this money, I was never notified I still owed this, had that been done properly, I could have provided the proof way back in XXXX. They took my money and I want it back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: MI

Complaint narrative:
noticed some accounts opened that im not aware of without my consent anything reporting inaccurate or fradulent i ask that it be deleted immediately or it would be against my Fair Credt Repor rights. use my credit to support my family & myself i want to grow in life and this is really affecting me.

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 2021-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
XXXX XXXX XXXX has refused to supply any proof of any kind except to deliver a standard letter that the matter is under litigation. As a result of their unaudited practices ( nationwide ) by state and federal regulators, XXXX XXXX XXXX has filed and won ( mostly by default judgment ) hundreds of court cases here the XXXX Texas region with the aid of Scott & Associates , PC. Soon, those judgments will materialize in garnishment of peoples income and/or a lien on their bank account - unbeknownst to them right now during a Pandemic. 
PLEASE ACT AGAINST THESE COMPANIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I called to XXXX  XXXX made a payment in full prior to the XXXX statement closing and my balance has not been update nor reflecting a XXXX  balance even after payment has been made and cleared the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-09 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: MI

Complaint narrative:
noticed some accounts opened that im not aware of without my consent anything reporting inaccurate or fradulent i ask that it be deleted immediately or it would be against my Fair Credt Repor rights. use my credit to support my family & myself i want to grow in life and this is really affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: VW Credit
State: VA

Complaint narrative:
Spoke to VW rep regarding why my account was being reported as late for three consecutive months and requested that it be corrected. I received a letter that waived 3 months payment starting in XXXX thru XXXX. Presented to credit reporting bureaus and the 3 months was changed to XXXX XXXX and XXXX of which the period is still incorrect as I was only late for XXXX as I had a previous months XXXX XXXX and XXXX payments waived as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: VA

Complaint narrative:
Spoke to XXXX rep regarding why my account was being reported as late for three consecutive months and requested that it be corrected. I received a letter that waived 3 months payment starting in XXXX thru XXXX. Presented to credit reporting bureaus and the 3 months was changed to XXXX XXXX and XXXX of which the period is still incorrect as I was only late for XXXX as I had a previous months XXXX XXXX and XXXX payments waived as well.

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 2021-01-09 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: VA

Complaint narrative:
Spoke to XXXX rep regarding why my account was being reported as late for three consecutive months and requested that it be corrected. I received a letter that waived 3 months payment starting in XXXX thru XXXX. Presented to credit reporting bureaus and the 3 months was changed to XXXX XXXX and XXXX of which the period is still incorrect as I was only late for XXXX as I had a previous months XXXX XXXX and XXXX payments waived as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: VA

Complaint narrative:
Spoke to XXXX rep regarding why my account was being reported as late for three consecutive months and requested that it be corrected. I received a letter that waived 3 months payment starting in XXXX thru XXXX. Presented to credit reporting bureaus and the 3 months was changed to XXXX XXXX and XXXX of which the period is still incorrect as I was only late for XXXX as I had a previous months XXXX XXXX and XXXX payments waived as well.

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 2021-01-09 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: MI

Complaint narrative:
My information was used without my consent to open these accounts at this time I asked for accounts to be removed. If anything is inaccurate on my report with these accounts remove that as well do the fair cred repair act and that I am trying to better myself in life I wan na be able to provide to the youth and my family.

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 2021-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Dear Recipient, Bank of America is using a term Corporate Card loosely with another type of card Business Card. The two cards should be the same balance, as was reported over the phone ... because the Business Card reports all transactions and all payments go to the Corporate Card as listed without showing any transactions. Why they do this is very strange. My two balances are not the same, lied by the phone attendant and manager. One is {$13000.00} the Corporate Card, and the Business Card with transactions is {$10000.00}. Where is the XXXX difference on the transactions Business Card that didn't show up on the bigger balance of the Corporate card that I am responsible for.

In addition there is another Corporate account setup with a balance of {$2600.00} and a corresponding Business account balance of {$0.00}.

Very dishonest and terrible banking. I want a lawsuit on Bank America and a sum of money.

Now, on a separate issue, I declared a dispute on XXXX XXXX XXXX XXXX XXXX for non payment of {$15000.00} of non payment of insurance claims that were reported 2 months ago. XXXX XXXX CEO must be contacted for this. 

Bank America Card ending XXXX ( Corporate ) and Business XXXX The other Corporate Card is XXXX  and the corresponding Business card is 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 2021-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I never received a bill. I been having problems in life period. First i would like to add that i was XXXX XXXX XXXX XXXX and having a XXXX XXXX. I have XXXX XXXX and XXXX Im not lazy i just hve a harder time then most. I was working at my job for 5 years. I lost item in house fire XXXX. Then in XXXX i lost most of my income do to losing my job as a XXXX XXXX. I aslo lost my child support for {$1100.00} a month. I had a hard time just paying rent and food for my XXXX child. I have been trying to get capital one to understand but they just dont care. It was a secured credit card {$500.00} limit. I needed to pay XXXX plus they keep the XXXX. When i got my stimulus check i paid the XXXX they said they would delete late payments and it would say settled payed for less then full. They lied! And i will pay the rest since i started bck working XX/XX/XXXX and i got a new place to live. XXXX  is stating that is up to Capital One who will quickly respond and say no they will not update. Please help me. Im sorry i dont think i will open another cc with capital one. I will pay in full plus all late payments. I will give them my whole check. Can they just understand that life happens and its harder for some then others. Not making excuses but come on covid19 late payments in all.of XXXX amd u will not fix its not right. I barely had enough money for food and rent. I dont like making excuses but they did mislead me and im willing to do anything to get this removed

Company response to consumer: Closed with explanation