vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-04 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: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. 
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC Section 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditors, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ {$150000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00}, XXXX XXXX XXXX Date OpenedXXXX Balance Owed : {$1800.00}, XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$18000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: GA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I signed up for a loan on a car with XXXX  with no down payment. I received the car and when reviewing the information it showed I had to pay a down payment. I called the XXXX  and said I could not pay the down payment and they said they would have to pick up the car since they needed a down payment. About three months went by and no one picked it up, and when they finally did I was told it was a repossession. I called XXXX the loan company which they were more than happy to help, but they are unable to since it was XXXX  who put it in as a repossession. I called XXXX  and they said that since it was out side if the seven day period they could not do that. I never agreed with the terms or loan agreement, and they refuse to change it from a reposession to a backoff at least. The loan terms were not accepted and not finalize due to not providing the down payment.

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 2023-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
I have contacted XXXX, XXXX, and XXXX on the dates of XX/XX/2023, XX/XX/2023 and XX/XX/2023. ( Copies of letters sent are attached to this complaint. ) I received an email from XXXX stating that they received my dispute and that the matter was being worked on but nothing has been done, no update, no results of investigation. 
I also contacted the creditor that is listed on my credit report. on XX/XX/2023 and ask them for validation of debt due to the fact that I did not know what account this was and asked for proof once I noticed it on my credit report AND could not get a response from the credit bureaus. 
I have not received ANY communication from XXXX or Sunrise Credit Services since I began questioning this account in XXXX. The only correspondence I received was a letter from the CFPB and I did not submit a claim to CFPB before today ( XX/XX/2023, letter enclosed ). 
XXXX has deleted this account from my credit report due to them not being able to verify the accuracy of this account belonging to me. 
It is completely unacceptable for this company, XXXX, and XXXX to disregard my rights as a federally protected consumer.

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 2023-05-04 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:
I requested all three credit bureaus ( XXXX, XXXX, and TransUnion ) to verify a bankruptcy that shows in my credit report. I asked them to verify the information with the court in two occasions XX/XX/XXXX and XX/XX/XXXX. Both times the bureaus " confirmed '' that the bankruptcy had been verified by the court. I then wrote to the court on XX/XX/XXXX asking them if it was true that they had received letters from the bureaus asking them to verify my bankruptcy. I never heard from the court. So, in XXXXXXXX XXXX XXXXXXXX, I called the court and verbally asked them if the bureaus had sent letters of verification to them. The court clerk explained to me that the court never verifies this type of information with the bureaus. I then wrote to the bureaus on XX/XX/XXXX and again on XXXX asking them to remove the bankruptcy from my report because they never verified it with the court and in fact they lied to me when they said they did. Up to now, they have not deleted the bankruptcy. In my last correspondence to them, I warned them that I would file a complaint with this agency if they did not delete the unverified item from my credit report. I am writing to you hoping that this issue can be resolved once and for all.

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), the bureaus are required by federal law to verify- through physical verification of the original signed consumer contract and/or judgement ( s ) - all accounts and public information that they post on anyone 's credit report. It is obvious that at least in my case, none of the bureaus verified the item and are still reporting in my credit which is affecting me tremendously because I can not re-finance my house at this time due to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04 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: VA

Complaint narrative:
See Attached.

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 2023-05-04 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: WI

Complaint narrative:
It is the Credit Reporting agencies duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are not. Equifax, XXXX and XXXX are reporting 10 inaccurate late payments for the XXXX with the account number of XXXX. This includes late payment ( s ) 30 days from XXXX XXXX, 30 days from XXXX XXXX, 30 Days XXXX XXXX 60 Days XXXX XXXX 60 Days XXXX XXXX, 90 Day XX/XX/XXXX. It also includes 30 Days XXXX, XXXX, XXXX and XX/XX/XXXX. These are incorrect and supposed to be reported as Paid as Agreed. Furthermore, pursuant to 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person ( s ) making the report. A transaction constitutes these late payments resulting in ( Credit Bureau ) violating my Federally protected rights. To add to this, I did not give ( Credit Bureau ) written instruction/permission to furnish these inaccurate late payment ( s ) on my consumer report of file, thus violating 15 U.S.C. 1681 b ( a ) ( 2 ). It is clear that ( Credit Bureau ) has violated my Federally protected rights under the FCRA and the inaccurate reporting is causing me undue hardship and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: WI

Complaint narrative:
It is the Credit Reporting agencies duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are not. XXXX, XXXX and Experian are reporting 10 inaccurate late payments for the XXXX with the account number of XXXX. This includes late payment ( s ) 30 days from XXXX XXXX, 30 days from XXXX XXXX, 30 Days XXXX XXXX, 60 Days XXXX XXXX, 60 Days XXXX XXXX, 90 Day XX/XX/XXXX. It also includes 30 Days XXXX, XXXX, XXXX and XX/XX/XXXX. These are incorrect and supposed to be reported as Paid as Agreed. Furthermore, pursuant to 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person ( s ) making the report. A transaction constitutes these late payments resulting in ( Credit Bureau ) violating my Federally protected rights. To add to this, I did not give ( Credit Bureau ) written instruction/permission to furnish these inaccurate late payment ( s ) on my consumer report of file, thus violating 15 U.S.C. 1681 b ( a ) ( 2 ). It is clear that ( Credit Bureau ) has violated my Federally protected rights under the FCRA and the inaccurate reporting is causing me undue hardship and my reputation severe harm and discrimination.

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 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Carvana Group, LLC
State: MA

Complaint narrative:
I signed up for a loan on a car with carvana  with no down payment. I received the car and when reviewing the information it showed I had to pay a down payment. I called the carvana and said I could not pay the down payment and they said they would have to pick up the car since they needed a down payment. About three months went by and no one picked it up, and when they finally did I was told it was a repossession. I called XXXX the loan company which they were more than happy to help, but they are unable to since it was carvana who put it in as a repossession. I called carvana and they said that since it was out side if the seven day period they could not do that. I never agreed with the terms or loan agreement, and they refuse to change it from a reposession to a backoff at least. The loan terms were not accepted and not finalize due to not providing the down payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports.Late Open : XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4800.00}

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 explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Ive asked them not to contact me and remove all records from my consumer report. They are now sending communication to collect via mail. They are sending something that they are calling a validated notice which is not a validation letter. It doesnt contain my wet signature. This debt was written off XX/XX/2021 which means the company accepted a tax write off and this debt is no longer collectible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: LA

Complaint narrative:
This company is violating my rights as I am allowed a fair and accurate credit report. The account they are reporting is paid in full and closed as of XX/XX/XXXX which has not been updated. I also did not sign a contract stating that this could be listed on my credit report which is also in violation according the the fair credit reporting act. I demand that this be updated to correctly reflect. 
In reference to TN child support

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 2023-05-04 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint and there is no third party involved. This account is inaccurately and erroneous reporting. 
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$400.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, DEPTEDXXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Flexible Finance, Inc.
State: GA

Complaint narrative:
I signed up for flex on XX/XX/XXXX. I tried paying my rent in installments with the flex app. They took the amount due for my rent and they had a service issue when sending the money to the rental property that I live in. I have sent numerous email requests for customer service with this issue. I have not received the help I need with this issue resulting in me not being able to pay my rent and starting a eviction process. I just need my money back to pay my rent and to never work with flex app again. This company needs to go out of business with the amount of people going through the same issues as I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MI

Complaint narrative:
My account from chime bank has unauthorized charges on it totaling XXXX. Chime closed my dispute and has sent no documents on why the dispute was denied. They say they are unable to verify the transactions. I opened a rebuttal chime just sends scripted responses and is doing nothing to assist me and have not provided me with a provisional credit. This issue has been on going for almost a month. All the charges were made to the same merchant who I have never heard of. I believe chime never did an investigation and closed my case the day before they had to issue a provisional credit. As they will not send any documentation proving an investigation was done. I have repeatedly received scripted responses from chime with no resolution in sight. All I want is my XXXX refunded to my account as I have never heard of this merchant

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
the debt is hurting me make progress with becoming a homeowner. I have no awareness of this account. I've asked for a copy of the contract with my wet signature. I asked for the method of verification they used before reporting any information to a credit reporting agency with out my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
XX/XX/2023 I called Bridgecrest to see if they could work with me with a payment plan my car is worth {$8000.00}. They want me to pay {$18000.00} to purchase the vehicle. My payment was {$600.00} a month and I lost my job I called bridge XXXX on this day to see about getting on a payment plan. They told me that I would have to pay {$4000.00} in order for them to consider a month-to-month payment plan which would be {$500.00} a month only {$100.00} less than the original payment plan which was {$300.00} every two weeks and on XX/XX/2023 Bridgecrest sent out a repossession company to repossess my vehicle. I did not give them possession of the vehicle. I still have the vehicle, but Bridgecrest is still suggesting that I pay {$4000.00} to them for them to consider putting me on a payment plan I feel like that {$4000.00} is too expensive with them knowing that I am a single mother of six children. I am currently not able to work because I dont have proper childcare. I am willing to make payments but I am not able to afford a full {$4000.00}.

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 explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Im writing to complain because I can get anywhere with PNC Bank at a branch or at the corporate level. It started on XX/XX/2023 when I tried to use my debit card for a coffee and was denied when I looked at my app. It had a XXXX balance despite having XXXX. I proceeded to call the customer service line and was told my account was closed, A letter was sent, which I never received, and the check was in the mail and then I should walk into a branch to discuss it. I walked into a my XXXX NJ branch and they were just as stumped and also tried to call. They also got the same answers. I called on XXXX at XXXX and was told a check had NOT been sent. They will not tell me when a check will be sent. That is a lot of money to send via regular mail! I asked for a supervisor or someone higher and they also could not help. I went back to my branch and they were still clearly upset at the situation and could not help despite their effort once again to gain information. Please help me remedy this situation. I need access to my funds and have clearly and blatantly been prevented from doing so! I dont want this to happen to any hard working citizen!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Nelnet is willfully and knowingly in violation of the FDCPA.I have notified them to not communicate with me by USPS mail with a tracking number of : XXXX. They received my notification on XX/XX/2023. There is no excuse. I have no contract with them. They continue to contact me.

Company response to consumer: Closed with explanation