vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-30 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:
On XX/XX/2021 I sent a letter regarding an inaccurate 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 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I filed for Bankruptcy in XXXX and included XXXX XXXX in the Bankruptcy which was discharged in XXXX of XXXX. XXXX XXXX XXXX reported as negative credit in XXXX and Sold it to National Credit Services, Which was sold again to a law firm. I have disputed this at least twice and the results were customer disagrees

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days 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 the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021 I called Chase bank 's credit card department to inquire about the credit line increase, the representative asked about my income and some personal debts, then my credit line was up instantly from {$6000.00} to {$9000.00}. but I did not get disclosed there was a hard inquiry on my credit. The Chase Bank already admitted its representative 's fault, but refuse to correct this action, see details in the attached letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: FL

Complaint narrative:
In my credit report is not showing my mortgage loan update ; shows as closed but I am paying my mortgage every month. I called XXXX and they said that I must call my lawyer ; I called my lawyer and she said that they never return the letter that she sent them saying that mortgage wasnt included in my bankruptcy.

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 2021-04-30 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: CA

Complaint narrative:
Because of the COVID pandemic Californians have XXXX XXXX protections in place that are supposed to prevent creditors from reporting late payments. 

XXXX XXXX XXXXXXXX # credit-score No credit score changes Available to all Californians Automatically prevents late or missing payment info from being shared with credit reporting agencies This protection is available without any action on your part. 

Well, XXXX XXXX  and XXXX XXXX both reported late payments. I have tried disputing these with the Credit Reporting Agency and have had no luck getting them removed. I already previously filed complaints against XXXX XXXX  and XXXX but they have done nothing to help ( going as far as outright refusing to remove stuff even when other creditors did ).

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 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.

Complaint narrative:
I tried at Equifax to improve my credit rating, but I couldn't. I send out credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: CA

Complaint narrative:
Because of the COVID pandemic Californians have credit score protections in place that are supposed to prevent creditors from reporting late payments. 

https : //covid19.ca.gov/get-financial-help/ # credit-score No credit score changes Available to all Californians Automatically prevents late or missing payment info from being shared with credit reporting agencies This protection is available without any action on your part. 

Well, XXXX XXXX  and XXXX XXXX both reported late payments. I have tried disputing these with the Credit Reporting Agency and have had no luck getting them removed. I already previously filed complaints against XXXX XXXX  and XXXX but they have done nothing to help ( going as far as outright refusing to remove stuff even when other creditors did ).

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 2021-04-30 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: CA

Complaint narrative:
Because of the COVID pandemic Californians have credit score protections in place that are supposed to prevent creditors from reporting late payments. 

https : //covid19.ca.gov/get-financial-help/ # credit-score No credit score changes Available to all Californians Automatically prevents late or missing payment info from being shared with credit reporting agencies This protection is available without any action on your part. 

Well, XXXXXXXX XXXX and XXXX XXXX both reported late payments. I have tried disputing these with the Credit Reporting Agency and have had no luck getting them removed. I already previously filed complaints against XXXXXXXX XXXX and XXXX but they have done nothing to help ( going as far as outright refusing to remove stuff even when other creditors did ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: TX

Complaint narrative:
Requested loan payoff through credit union. The bank incorrectly processed payoff and closing request and reported a missed payment instead. My credit score dropped XXXX points on XX/XX/21 as a result of the incorrectly reported missed payment. I opened a dispute and the dispute was found in my favor. The report was corrected but my credit score remained the same. I would like my SCORE to be adjusted to reflect on time payments and that the account was closed in good standing. This is resulting in unnecessary undue hardships on myself and possibly monetary loss as a result of interest rates that are not as favorable due to a low credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: VA

Complaint narrative:
I wasn't able to cash a good check I submitted a clear image of the check

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: U.S. Auto Sales Inc.
State: NY

Complaint narrative:
US Auto sales has failed to send me the original documentation with my signature on it for proof of purchase. They are claiming they dont understand whats inaccurate on my report and the question is rather simple. I am asking them to provide ( Proof of Verification ) of this alleged debt that they have placed on my credit report in which they have NOT done so. Im confused about what part they dont understand. Its quite simple, provide proof of the original documentation with my signature on it for the alleged debt they are claiming I owe. Further more, they did NOT respond within the 30 day time frame, I have not received any documentation from them. I have proof that I reached out several times to get verification with no response. They need to provide proof of contract via mail. Not email, or phone call. I am demanding that they remove this erroneous debt off my credit. I received an email today XX/XX/2021 from a representative of US Auto sales by the name of ( XXXX XXXX ) stating that " XXXX is blocking her emails from being received by me ''. This is the first time I have heard from them which is technically not the proper way they should be responding to this request. The should essentially only be contacting me via mail which is how I have been contacting them. Once again, I am attaching the original letter sent out asking them for verification. I am also attaching a copy fo the email I received today from US auto sales. They are in violation of the fair credit act and I will pursue further legal actions if this matter is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: NV

Complaint narrative:
I have disputed a debt on my credit that is not my debt almost 5 times now. I have asked experian to investigate this issue properly. I asked for them to please ask the credit company XXXX XXXX XXXX who is reporting I owe {$4000.00} for XXXX. This is not my debt, I have never opened a account with XXXX for {$4000.00}. I have asked experian to request proof of this debt as the law states. There has been no proof of what Goverment Issued ID was used to open this debt. What city and state was this debt opened. This company XXXXXXXX XXXX XXXX  just writes that the debt is valid and experian just keeps it on my debt. Under section 611 of FCRA they have to actually do some investigation work and verify this debt is real and my debt. Its caused problems with my life. Also how would XXXX  let someone have a {$4000.00} phone bill!!! phone bills on average are {$140.00}. This is a fraud debt and needs to be removed immediately. Experian is just using a computer generated system to get a response from XXXXXXXX XXXX  and all they have to do is say " yes '' the debt is valid and experian reports this!! Experian and XXXXXXXX XXXX  should be responsible for the problems this has caused me and my family and it shouldnt be up to the consumer to seek legal action when experian isnt following the law. They should not be allowed to control a debt score if they dont follow the law

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 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: NY

Complaint narrative:
Debt Collection Company, Contract Callers, filed a collection account onto my credit report for a {$850.00} utility bill. I do not not know who they are. They never contacted me in anyway prior to this. I also dont own a home or pay a utility bill so this is clearly not a bill I owe. I disputed it through the credit reporting agency XXXX and they did not take it off my 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 2021-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harvard Collections, LLC
State: MN

Complaint narrative:
This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: PA

Complaint narrative:
I recently found that there are several unauthorized items on my credit report that dont belong to me. I do not have a record of doing business with these companies. Kindly delete these items off my credit report immediately. Further action might involve a consumers rights attorney and a lawsuit. Please remove these accounts as you know they are in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: CL Holdings LLC
State: NV

Complaint narrative:
I have disputed a debt on my credit that is not my debt almost 5 times now. I have asked XXXX to investigate this issue properly. I asked for them to please ask the credit company Jefferson Capital Systems who is reporting I owe {$4000.00} for XXXX. This is not my debt, I have never opened a account with XXXX for {$4000.00}. I have asked XXXX to request proof of this debt as the law states. There has been no proof of what Goverment Issued ID was used to open this debt. What city and state was this debt opened. This company jefferson captial systems just writes that the debt is valid and XXXX just keeps it on my debt. Under section 611 of FCRA they have to actually do some investigation work and verify this debt is real and my debt. Its caused problems with my life. Also how would XXXX  let someone have a {$4000.00} phone bill!!! phone bills on average are {$140.00}. This is a fraud debt and needs to be removed immediately. XXXX is just using a computer generated system to get a response from jefferson capital and all they have to do is say " yes '' the debt is valid and XXXX reports this!! XXXX and Jefferson capital should be responsible for the problems this has caused me and my family and it shouldnt be up to the consumer to seek legal action when XXXX isnt following the law. They should not be allowed to control a debt score if they dont follow the law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CAPITAL ONE AUTO FINANCE THEIR IS NO WAY POSSIBLE I WAS LATE THE DAYS YOU WERE REPORTING - THIS CAR WAS TRADED IN AT THE DEALERSHIP. THIS IS NOT OUR FAULT YOU HAD NOT BEEN PAID BY THE DEALERSHIP FOR THIS CAR. PLEASE SEE DOCUMENTATION TO SUPPORT MY CLAIM. PLEASE CHECK YOUR RECORDS. I AM GIVING YOU 30 DAYS TO FIX THIS AND IF NOT I WILL HAVE TO PROCEED WITH LEGAL ACTION AGAINST YOUR COMPANY AND THE DEALERSHIP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Your categories do not address my needs, which is no surprise. Why not have a category for cancel immoral, illegal, unjust, capitalized usury? I have paid {$69000.00} for the last 23 years on time, I only borrowed {$34000.00}. I am requesting and have requested ( begged ) via Navient and the Department of Education Ombudsman that the rest of the usury amount showing owed be canceled. I requested a copy of the phone calls I made on XX/XX/XXXX, they advised I need a court order or must hire an attorney. Really!!?? Incur more expense and time dealing with a loan I have paid for twice? Navient is one of the main reasons that Americans no longer have ANY trust in the so-called system. It is rigged by greed from top to bottom. Navient 's agents and supervisors are merely hired gatekeepers without a good moral compass. They and the Department of Education hide behind complex laws and regulations that they bribed legislators to pass. This is the height of evil. If you all are just playing with people and pretending to protect consumers, you are also evil. If you send me a scripted response instead of actually meting out justice, it will prove my case. I have paid what I borrowed TWICE. The right thing to do would be to just cancel the rest and move on. The government via Navient and it's pawns wants to enslave me for life. My loan was consolidated in XXXX, 27 years ago, I originally borrowed in XXXX, 36 years ago!!!! I was in school full time from XXXX getting a Ph.D. Unfortunately, that was a mistake on my part, believing in the so called American Dream. But, I have paid a VERY high price for this mistake already, and should not pay another day!!! You people will not get away with this financial genocide that you are perpetuating on Americans like myself. From this day forward, every dollar that is exhorted from me via usury and capitalized usury added to my original amount will be a mark against this government, because it is rooted in systemic elitism that is encoded within labyrinth student loan laws. The government has not fooled us! I don't care how many laws and lies you throw my way, they are all UNJUST. Every dollar that I pay going forward will also be blood money on your hands because you are not working hard enough, boldly enough, or courageously enough to do the right thing. Lastly, one of Navient 's supervisors even laughed at me while I was crying. That's OK. It demonstrated to me how right I actually have been about the systemic corruption, systemic elitism, and for those of us who are XXXX systemic racism. I will WIN in the end because I have done the right thing. The government can hide behind unjust laws, Jim Crow Codes and Regulations, and deceive itself forever. Rest assured that it will be amusing conversation to the XXXX, but it is not amusing to me!

Company response to consumer: Closed with explanation