vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-10 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

i have already disputed these items with the credit bureaus but they did not remove them or prove validation. 

Sec. 602 State, I have a right to privacy. 

XXXXXXXX XXXX Account Number : XXXX OFFICE OF THE ATTY GEN Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX US DEPT ED Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: New Era Asset Management, LLC
State: TX

Complaint narrative:
New Era Asset management has been harassing me. They have been calling non-stop and harassing me and my " associates '' trying to find me. on XXXX I called them and asked why they were calling. They told me that it was because of some kind of money I owed to some other company. I requested them to send to my address the exact details of the money I supposedly owed and the original contract that I supposedly signed. Once I received that in the mail, I told them that I would then work with them if it was valid and resolve it. The debt that they mentioned is not listed on my credit report, and I am suspicious that this is money that I actually owe. I requested that they stop harassing me at work and that they stop calling my known " associates. '' Today on XX/XX/10 they called another known associate looking for me. I am again now requesting that they quit calling and harassing me. If they want to communicate with me they need to send the original documents of the " debt '' and who I owe. They are continually harassing me. They need to stop. I have already requested that they not communicate with me during XXXX and to send me what exactly I owe and the original documents in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: MA

Complaint narrative:
the account is XXXX its Experian that's reporting it as XXXX potentially negative in red on my account. i spoke to XXXX today at XXXX and she said XXXX is reporting it since 2020 as paid for less than amount of in settlement so she doesn't know why its reporting or showing me what it says on my end.

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 2022-11-10 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: LEXISNEXIS
State: VA

Complaint narrative:
I have filed dispute after dispute and also suppressed my records with LexisNexis due to them reporting inaccurate information in my public records and stating that the pacer service center provided this information. This is pertaining to a bankruptcy that I filed in XX/XX/XXXX and it was closed on XX/XX/XXXX and it was dismissed not XXXX LexisNexis verified this information as accurate when it fact it is not accurate an causing total harm to my credit file. So I contacted the XXXX XXXX XXXX and was able to obtain proof from them that this case was in fact dismissed and not granted a discharge and they also provided documentation. Case I.D . XXXX Debtor Disposition : Discharge Denied Pending status case closed Flags : Repeat CLOSED Filed : XXXX XXXX Upon speaking with LexisNexis after my identity was verified it was stated to me that they dont even have this bankruptcy on file and neither did they report this to XXXX because my information is suppressed so they couldnt verify I am attaching proof of my address a bill and my drivers license I want this issue fixed and they continue to go back in forth when I have information from the Pacer service center providing correct information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA closed my account after being with them for 15 years with little to no notification. The only way i found out it was being closed when i went to dispute an unknown charge. I was given no reason as to why its being closed just that it was managements decision and there was nothing that i could do about it. CSR after CSR either couldnt assist me, could not direct me in the right location or even help with a future direct deposit that was coming. One CSR even hung up on me. Though it may be speculation but i was told that this may be due to a fraud check that entered my account where i had been a victim of identity theft and all consequences i had rectified on my own with minimum investigation or support from USAA. Now that it is all said and done, they are not granting me the ability to extract my funds and have left me, while on military orders unable to provide for my family and in further hardship. Ive contacted the XXXX which USAA then gave me a call and told me they will attempt to investigate. Ive contacted them back the next day because the direct deposit hit and Im left with no answer but a later follow up call stating that they are unable to do anything about the account but they will see how to transfer the funds out. Contacted a CSR the following morning and they informed me theres nothing that i can do and that i must wait an additional 10 business days in order for the account to fully close but it can still receive my money but not give me my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: CA

Complaint narrative:
I ordered a copy of my consumer report and found many accounts that were fraudulently being reported. I sent a letter to XXXX, Experian and XXXX disputing these erroneous accounts in XXXX of 2022. The accounts have not been removed and I have not received a response. 

15 U.S.C 1681 Section 604 A Section 2 : States that 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 2022-11-10 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: MD

Complaint narrative:
My primary name is wrong see letter enclosed for explanation and my previous addresses are not mine delete them now and other accounts that are not charged off

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 2022-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: MD

Complaint narrative:
I submitted a complaint to your company on XX/XX/2022 regarding issues with my current loan servicer Mohela. The complaint ID XXXX. The only response provided from Mohela was " more time was needed ''. My loans transferred on XX/XX/2022 with the required number of qualified payments ( XXXX ) from XXXX. The response provided my Mohela doesn't make any sense. My employment ( XXXX ) and payment history was already verified from the previous servicer ( XXXX ). There's nothing for them to do... but to process it for forgiveness. Now, I'm approaching 3 months in waiting with Mohela to process forgiveness. I have only been able to speak with a customer service representative once. That was in XXXX. I was told by the supervisor that my loan would be processed for forgiveness within a few weeks. I've made several attempts to call customer service again. However, I don't have hours on end to wait and listen to a pre-corded message that doesn't allow you to ever reach a person. 

I don't understand why am I waiting for loan forgiveness when I qualified for it in XX/XX/2022.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

FOR EQUIFAX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXXXXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

FOR XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX EXPERIAN XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  ) XXXX XX/XX/XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX FOR XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX C XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is 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 2022-11-10 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
Genesis FS Card Services dba " Destiny '' is incorrectly reporting 30-day delinquency on my credit file. I have made every payment in full and on time to Destiny FS Card Services. 
I formally request Genesis FS Card Services remove the reported delinquencies from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Inaccurate late payments were applied to my Experian credit report levied by XXXX. The late payments are inaccurate because funds were readily available at the time those payments were attempting to be processed through my banking institution. Somehow the funds were processed from the wrong account ( Accumulations account ) that does not function as a debt account. The withdrawal was not processed through my checking account that handles all monthly bills. Documents can be provided to prove that funds were readily available in my checking account at the time XXXX attempted to retrieve the payments. This is merely some kind of technical era but not negligent on my behalf. Furthermore, my rights have been violated causing my credit score to drop by almost 70 points causing major financial issues. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX  ) and ACCT # XXXX ( 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-11-10 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: IL

Complaint narrative:
Transunion is choosing to ignore a Federal Document I was told I was told by TransUnion to send this document in after over a week of them having the document they let my existing dispute close. Then their next problem was choosing not to accept the document. I feel like this company is racially discriminating against me. The document that I provided proved a clear case of fraud against me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I was a victim of Equifax data breach. I also notice that Ive been applying for loans and they mentioned my credit report along with my financial responsibilities and I didnt even give them my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  '' is incorrectly reporting 30-day delinquency on my credit file. I have made every payment in full and on time to XXXX XXXX XXXXXXXX XXXX 
I formally request XXXXXXXX XXXX XXXX XXXX remove the reported delinquencies from my credit file.

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 2022-11-10 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: Continental Finance Company, LLC
State: CT

Complaint narrative:
Payment in the amount of {$200.00} was made on XXXX to XXXX XXXX, account ending in XXXX, does not show posted or pending as of today. XX/XX/10. I've checked with bank, payment does not show posted on their end or in pending status.. There appears to be an error on end of XXXX XXXX aka Continental Finance Company regarding this 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 2022-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Lists current creditor : LVNV Funding LLC NEVER dealt with this XXXX  company NEVER SIGNED ANYTHING NEVER GAVE THEM MY INFORMATION FRAUD INVOLVED Original CREDITOR NEVER DEALT WITH XXXX XXXX DO not have an account number ending in XXXX Charge off sate? during COVID XXXX XXXX XXXX full blown covid Are they stealing information from XXXX XXXX XXXX XXXX 

Have not paid XXXX since charge off date I have no such account never signed up with them never allowed any company to make them my creditor They are a XXXX  XXXX  company incorporated under different names How do you allow them? 

resurgent XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX .XXXX XXXX XXXXXXXX XXXX. 

Shut these XXXX  people down They call during off hours they swear at you they illegally use my home address they intimidate they are prejudice they are XXXX they think they hit on senior citizens stop the XXXX  from buying our data

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10 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 ordered a copy of my consumer report and found many accounts that were fraudulently being reported. I sent a letter to Transunion, XXXX and XXXX disputing these erroneous accounts in XXXX of 2022. The accounts have not been removed and I have not received a response. 

15 U.S.C 1681 Section 604 A Section 2 : States that 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 non-monetary relief
Consumer complaint received 2022-11-10 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 ordered a copy of my consumer report and found many accounts that were fraudulently being reported. I sent a letter to XXXX, XXXX and Equifax disputing these erroneous accounts in XXXX of 2022. The accounts have not been removed and I have not received a response. 

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

Company response to consumer: Closed with explanation