vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-16 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: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX is reporting multiple 120 lates on my credit report. I have never paid my account 120+ days late. I have contacted XXXX XXXX to correct this reporting with no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: AL

Complaint narrative:
XXXX XXXX is reporting multiple 120 lates on my credit report. I have never paid my account 120+ days late. I have contacted XXXX XXXX to correct this reporting with no resolve.

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 2021-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NJ

Complaint narrative:
THE COMPANY, MERCANTILE ADJUSTMENT BUREAU, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO 15 USC 3002 ( 1 ). I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, XXXX and XXXX are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. On XX/XX/1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that Wheras the holding or dealing in the gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in a amount in money policy ; and.. .Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public or private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
According to the Fair Debt Collection Practices Act, codified as 15 USC 1692, you, as a Debt Collector are required by federal law to verify with the physical original written and signed consumer contract on recording, related to the account you are attempting to collect on. Otherwise, anyone paying for your Debt Collection services could fax, mail or email in a fraudulent account. 
Your failure to verify* this account is trespass on right to privacy and to contract. Under the FDCPA, unverified accounts are considered a Fictitious Obligation and any demand for payment of such is an attempt to extort and administer property without right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
To whom it may concern, I XXXX am writing you today as an aggrieved man. I am a victim of identity theft. I checked my credit report with Equifax today and noticed unauthorized hard inquiries I have knowledge of. A variation of my name and addresses I have never resided at. This fraudulent activity needs to be removed from my credit report post haste.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
I have asked this company to remove their information from my credit report on several occasions. I had XXXX state insurance from XXXX during the time that University XXXX decided not to charge me for services. " XXXX '' sent my hospital bill to this company and since then, I have been asking this company to please relieve of my this debt since the hospital did not do their part in charging my insurance. 

I have asked ARS to relieve me of this debt since I will not ever be able to pay it. 

They do not contact you other than to tell you " NO ''. 
They do not answer the phone and if they do, they refuse to speak to people like human beings. My phone calls always feel so belittling and helpless with this company. 

The XXXX has several complaints against them. 
I don't know how they are still in service as a company.

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 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion is reporting misleading information on alleged late payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX- which falls under 15 U.S. Code 1692e. False or misleading representations. Also, I have not given them any written consent to furnish any information ; 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. This has caused a total of {$4000.00} in damages according to 15 U.S. Code 1692k - Civil liability.

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 2021-11-16 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:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 49 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Kohl 's Credit Card makes it difficult to pay your bills without your actual card. I misplaced my card in 2019 due to taking care of my XXXX XXXX. I always called to make payments, but numerous times I was put on hold by XXXX for longer than 15 minutes. When I tried to call corporate, I was not able to get through since I did not have my card number. By the time I ordered my replacement card, my bill was reported late 30 days. This happened again the following year. 

They also make it difficult to log into your portal online as they have a Credit Rewards program and a Kohls XXXX XXXX which look eerily similar but do not link each other 's information. On top of this, I never received any bills notifying me of the payment nearing a late charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Duvera Billing Services, LLC
State: WI

Complaint narrative:
XX/XX/XXXX I was hospitalized with XXXX I was in the hospital for some time. Once I got out the hospital I had contacted EasyPay Finance I asked to speak to a manager and I was transferred to XXXX XXXX I tried to explain to him that I was in the hospital and when I got out I had an alert from my credit bureaus I had a negative account I tried to explain to XXXX that I had set up my account for automatic payments, he replied with a negative comment about people want to complain when they don't pay their bills. I explained that their company had made an error and I ask that they clear. He said no it was in collections and it was not the companied fault and it had to be paid in full. I asked to speak to higher supervisor he said he was the only one. XXXX was extremely rude and did not care to hear what I was trying to explain to him. He said the only way they remove the negative remark was if I paid it in full then they would have the tradeline deleted. On XX/XX/XXXX, I paid the account in full and received a letter stated the negative reporting would be removed in 4 weeks. I have emailed them multiple times and they have not responded or removed the tradeline. My credit was damage due to the negligence and continues to be on my credit and it has been XXXX  months and XXXX  day the account was paid and the tradeline is still on my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I sent a letter by certified mail regarding acct # XXXX {$75.00} the company is alleging I owe this debt. This may seem petty to some but I take this serious this account doesnt belong to me. Ive attached the letter I sent requesting validation which I never receive. For this company to continue reporting this is a violation please remove account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX Attention : TransUnion Full Name : XXXX XXXX Full Address : XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX Social Security : XXXX Email : XXXX Reasons : I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX  Account Number : XXXX Date Filed : XX/XX/XXXX Type of Account : Collection Address : po box XXXX, IL XXXX Phone:XXXX Reason : THIS IS INACCURATE Account Name : XXXX Account number : XXXX Date Filed:XX/XX/XXXX Type of Account : Collection Address : XXXX XXXX XXXX XXXX, FL XXXX PHONE:XXXX Reason : THIS IS INACCURATE Account name : XXXX XXXX Account number : XXXX Date Filed : XX/XX/XXXX Type of Account : Collection Address : XXXX XXXX XXXX XXXX, IA XXXX Reason : THIS IS INACCURATE Type Of Account : INQUIRY Account name : XXXX XXXX Date filed XX/XX/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 2021-11-16 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:
After filing four disputes on XX/XX/2021, Equifax failed to timely investigate and remove the inaccurate, outdated, and/or unverifiable information that I disputed. In addition, Equifax failed to indicate the actions it allegedly took in response to my disputes, when it finally acknowledged one of my disputes on XX/XX/2021. 

I again ask that Equifax remove the inaccurate, outdated, and/or unverified information that I requested more than eight months ago, in my disputes numbered XXXX, XXXX, XXXX, and XXXX. 

I also reserve all my rights under state law to bring civil action against Equifax for these failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: MS

Complaint narrative:
I have sent out numerous disputes trying to remove this account from my credit profile. 
This request has been denied and I would like this inaccurate information to be removed. 


XXXX XXXX XXXX EQUIFAX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

JPMCB CARD SERVICES is reporting late as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
XX/XX/XXXX Attention : XXXX Full Name : XXXX XXXX Full Address : XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX Social Security : XXXX Email : XXXX Reasons : I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law XXXX, title X, XXXX Stat. XXXX ( XXXX ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX  Account Number : XXXX Date Filed : XX/XX/XXXX Type of Account : Collection Address : XXXX XXXX XXXX, IL XXXX Phone:XXXX  Reason : THIS IS INACCURATE Account Name : Browardadjus Account number : XXXX Date Filed:XX/XX/XXXX Type of Account : Collection Address : XXXX XXXX XXXX FT.LAUDERDALE, FL XXXX PHONE:XXXX Reason : THIS IS INACCURATE Account name : EXETER FINANCE Account number : XXXX Date Filed : XX/XX/XXXX Type of Account : Collection Address : XXXX XXXX XXXX XXXX, IA XXXX Reason : THIS IS INACCURATE Type Of Account : INQUIRY Account name : XXXX XXXX  Date filed XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have a loan with NAVIENT. For some reason, I realized that there were late payments on my credit report. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information. 

NAVIENT XXXX XX/XX/XXXX {$4700.00} ; NAVIENT XXXX XX/XX/XXXX {$6500.00} ; NAVIENT XXXX XX/XX/XXXX {$2700.00} ; NAVIENT XXXX XX/XX/XXXX {$1700.00} ; NAVIENT XXXX XX/XX/XXXX {$10000.00} ; NAVIENT XXXX XX/XX/XXXX {$10000.00} ; NAVIENT XXXX XX/XX/XXXX {$3000.00} ; NAVIENT XXXX XX/XX/XXXX {$7100.00} ; NAVIENT XXXX XX/XX/XXXX {$2900.00} ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX Full Name : XXXX XXXX Full Address : XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX Social Security : XXXX Email : XXXX Reasons : I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX  Account Number : XXXX Date Filed : XX/XX/XXXX Type of Account : AUTO LOAN Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Reason : THIS IS INACCURATE Account Name : XXXX, XXXX Account Number : XXXX DATE : XX/XX/XXXX Type of Account : AUTO LOAN Address : XXXX XXXX XXXX, NH XXXX XXXX Reason : THIS IS INACCURATE Date Filed : XX/XX/XXXX Account name : XXXX  Account number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, fl XXXX phone : XXXX Reason : THIS IS INACCURATE Account Name : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, ia XXXX phone : XXXX Reason : THIS IS INACCURATE INQUIRY NAME : XXXX XXXX DATE : XX/XX/XXXX INQUIRY NAME : XXXX XXXX  DATE : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received XXXX XXXX XXXX Check No. XXXX in Amount of {$57.00}. On XX/XX/2021 I wrote to both Citibank ( my depository bank ) and XXXX concerning the fact that this check, although deposited to my Citibank account on XX/XX/2021 as described below has not been credited to my account. Although I have been a customer of Citibank for more than 40 years I did not receive the curtesy of a response from Citibank. I did however receive a response from XXXX. Their response was that the check was collected by Citibank. Citibank wrongfully withdrew these funds from my account, wrong charged me a {$12.00} return check fee and in spite of repeated attempts to receive credit for these funds I have been totally ignored by Citibank. 

Initially I attempted a remote deposit of this check to my Citibank checking account ending in XXXX. The check appeared to have been processed. However, it then was removed from my account. I contacted Citibank and was given a provisional credit. I received a further notification from Citibank that the provisional credit was being removed and that if I had physical possession of the check I should deposit it in a branch to my account, which I did. The check, a copy or what now passes for the original check was returned to Citibank and from them to me marked Refer to XXXX. I had attached a copy of the returned check to my XX/XX/2021 letter. To add insult to injury I was charged a {$12.00} return check fee. 

Since I was unable to either resolve this issue and be credited with the amount of the check ( {$57.00} ) or recover the {$12.00} return check fee I wrote to both Citibank and XXXX. XXXX responded by a copy of their paid check which clearly shows that Citibank acted wrongfully. Citibanks reference was to Lost Deposit to Citibank Account Ending XXXX Citibank # XXXX. What I do know is that if Citibank, with all of its computing power can not find my government check for {$57.00} and credit it to me with the improperly charged {$12.00} return check fee, how many other " little guys '' have been treated in the same fashion. 

I expect that this matter will be resolved to my satisfaction by the end of this year.

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 monetary relief
Consumer complaint received 2021-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

CHRYSLER CAPITAL is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Granite Edvance Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX, I made a {$10000.00} payment to Granite State Management, my student loan servicer. The next day, my loan servicer changed to XXXX. The {$10000.00} payment was pending and I called Granite State to confirm that it could take 2 weeks for the balance to update. Now, 2 weeks later, I have access to my XXXX account but the {$10000.00} has never appeared. It is missing from my bank account. It is no longer on my GSMR payments history. My money has seemingly disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: Nicholas Financial Inc.
State: FL

Complaint narrative:
I noticed unauthorized inquiries on my consumer report. I did not give permissible permission to report without my consent and I never consented anything 15USC1681.

Company response to consumer: Closed with explanation