vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-09 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: CA

Complaint narrative:
XXXX XXXX XXXX company is currently reporting a negative listing to the XXXX major credit bureaus ( XXXX, Trans Union, and XXXX ) regardingt Based on my recollection and my records, I can find no reason for you reporting such a history. If you'll review your records I think that you will find your reported notations are inaccurate.

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 2023-08-09 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: CA

Complaint narrative:
XXXX XXXX XXXX company is currently reporting a negative listing to the XXXXhree major credit bureaus ( XXXX, XXXX XXXX, and Equifax ) regardingt Based on my recollection and my records, I can find no reason for you reporting such a history. If you'll review your records I think that you will find your reported notations are inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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: TX

Complaint narrative:
I recently checked my report and came across a lot of errors ( misspelling names, wrong addresses, wrong phone number, unauthorized credit inquiries from unknown sources ) and other account i have no knowledge of.

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 2023-08-10 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: Sunbit, Inc.
State: IN

Complaint narrative:
Sunbit reported my account when XXXX and XXXX payment were made in time. They have a 30 day grace for payments to be made and before they report to bureaus for being late. I actually spoke with a Supervisor and was advised that my XXXX and XXXX payments were made on time late and within grace period given for XX/XX/2023 and XX/XX/2023. I sent over an attachment for review and was replied back with inaccurate info -that payments were late and my payments were actually made on time I have bank statements and payments can be seen per my account when payments actually posted. This is a clear violation of my rights and I am requesting that my Credit report is updated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I filed bankruptcy in 2017. At that time, my student loans with Navient should have been discharged as well. They were never discharged and the loans are double the cost of tuition for the university I attended.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX XXXX. I am a consumer who currently resides at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, in XXXX XXXX . I am writing this because I, XXXX XXXX XXXX, Consumer did not give NCB Management Services Inc. written instructions or consent to communicate with I, XXXX XXXX XXXX, Consumer, or any other person regarding an alleged, " Debt ''. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281, SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

This information is true and correct to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
This is a follow-up of a previous CFPB ( XXXX ) that i submitted on XX/XX/2023 regarding an illegal entry placed on my credit report by Southwest Credit. Shortly after submitting my complaint they removed it and send me a letter I received a letter dated on XX/XX/2023 regarding an alleged debt owed to XXXX ( XXXX ). In response, I sent the attached validation request letter via certified mail on XX/XX/2023. Attached is proof that it was successfully delivered and accepted by Southwest Credit. The company ignored my validation request and sent me another letter dated XX/XX/2023 demanding payment. Attached are both letters that I received from them along with my request for validation letter and USPS certified mail receipts. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request debt validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 

Please see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
The following individuals at XXXX XXXX XXXX ( Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Nevada ) have fraudulently represented themselves as a government agency and solicited my sensitive information indirectly by gaining access to the FSA ID website and has done so to numerous other unaware consumers. They specifically claim that they either work for " Aidvantage '', the " FAFSA Student Loan Department '', or the " Department of Education Student Loan Office ''. Consumers on multiple websites, such as the XXXX  have reported that they " XXXX '' has consolidated their loans without permission and collected social security numbers for malicious intent or dispersion for illegal use. 

The " agents '' are : XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX or XXXX ), and XXXX XXXX ( phone number unknown ). They also have a female secretary who will hold / transfer calls for them. 

Please take care of these criminals so they can not prey on the public or borrowers who are trying to make an honest living while repaying their debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: CA

Complaint narrative:
company is currently reporting a negative listing to the XXXX major credit bureaus ( Experian, XXXX XXXX, and XXXX ) regarding the above referenced account. Based on my recollection and my records, I can find no reason for you reporting such a history. If you'll review your records I think that you will find your reported notations are inaccurate

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 2023-08-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Company had contacted me several times from multiple phone numbers and continues to call me after blocking those numbers and asking the company to cease telephone calls. Balance has been disputed several times with all credit bureaus due to inability to provide verification of debt, as well as an itemized breakdown of charges. The collection has been removed from XXXX, but not XXXX  or XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: WV

Complaint narrative:
I received an email from Credit Karma saying I had good odds to be approved for a XXXX Credit card that would allow me to transfer balances with 0 % interest for XXXX months. I was hesitant but I already have XXXX XXXX card and have never been late and since it showed my odds were good I applied. I was denied and was told I would receive a letter in 7-10 business days. It was a hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I just got done cleaning up my bureau report with Transition yet I found and unauthorized inquiry from some XXXX  that was pulled an XX/XX/2023.. I never applied for any services with this bank and I notified Tranunion of false inquiry that ia causing harm to my credit bureau report they refuse to remove.. I do not never have any account with this XXXX and this is misinformation that XXXX is refusing to remove ..I need the CFPB to step in and apply legal means for forcing law on unauthorized inquiry that XXXX is allowing harm by refusal to 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 non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I have asked fot validation of debt owned. They will not send it. Also balance is not correct

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX. Please delete this account ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
Coinbase attempted to do a XXXX check. I questioned the link they sent. The sent another suspicious link. But it was from coinbase compliance. I provided all the information they needed. I had close to $ XXXX in the account when this all started and needed to withdraw to pay for medical bills, etc. They have had my account locked for XXXX now. I cant speak to anyone. I've used their online chat about XXXX times only to get nowhere. I cant tell if there is an active issue logged, or whether they are working to clear the account for trading. In the meantime, the account is down 50 % and I cant do anything about it. 

Please help me. All I have is a reference # : XXXX and the email from compliance, compliance-kyc @ coinbase.com. I really need assistance here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: NC

Complaint narrative:
Im still having problems with Equifax and their accuracy in reporting correctly for a XXXXXXXX account. The balance is incorrect as well as the payment status. I reopened the investigation and provided supporting documentation. I demand correct reporting now as they have done nothing to correct my report despite all of the verification Ive provided. I am in process of purchasing a home. If their incorrect reporting interferes with my ability to close, they will be hearing from my attorney. Theyve had more than XXXX days to investigate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: FL

Complaint narrative:
Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same account is still incorrect, with a confirmed status. Please correct the account listed below : XXXX XXXX XXXX XXXX : {$3900.00}

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 2023-08-09 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  ; Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX ; Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2023-08-10 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: AZ

Complaint narrative:
I have submitted a police report and federal trade commission complaint requesting them to block XXXX  XXXX accounts and XXXX XXXX  I have supplied these creditors also with a copy of police report and they come back every time saying its verified while XXXX  XXXX says they have been requesting it to delete each time. I requested a letter which is attached stating they agree the accounts were fraudulent as a result of identity theft but these XXXX  XXXX and XXXX XXXX  are still reporting on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: Automated Collection Services, Inc.
State: NY

Complaint narrative:
After reviewing my credit report, i noticed discrepancies listed under the following names ; Automated Collections XXXX and XXXX XXXX XXXX. These account i do not recognize and were asked to be validated properly, which wasn't. They are still reflecting on all XXXX credit report and is still negatively affecting me. I do not believe the account belongs to me or the collection company has authorization to atempt to collect on the account. Please strike and remove these collections from all XXXX credit bureaus. 
15 USC 168 section 604 ; States right to consumers privacy- reporting agency can not furnish an account without MY written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and XXXX XXXX with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-08-10 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: JDJ Investments, INC.
State: TX

Complaint narrative:
I did not get verbal or Written consent to place any credit reports on my credit. I also tried to resolve this matter by contacting each creditor but they fail to comply with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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:
My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX customer service representative.

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