vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENTAGON FEDERAL CREDIT UNION
State: DC

Complaint narrative:
XXXX refuses to remove two accounts of my credit per the collection rights and statue of limitations that is forseen underneath my credit report. For one of the collections, XXXX XXXX the collection agency is past the limitations of the right to collect data and as of the LAW it states that information reported should be removed that is innacurate or violates the terms of conditions in which the right it has to collect such debt. The collection was sold off to another consumer in which was not the right of the consumer to continue to allow such credit reporting to hinder my credit as such, three years In South Carolina, the statute of limitations for most types of consumer and business debt is three years. Another item that is being reported on my credit is from Pentagon Federal Credit union this item is past the debt collectors rights to have this item reported on my credit and should be removed as such according to the statue of limitations and its law, The Virginia statute of limitations on debt is five years for written contracts and credit cards and three years for open accounts and oral contracts

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 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: DC

Complaint narrative:
XXXX refuses to remove two accounts of my credit per the collection rights and statue of limitations that is forseen underneath my credit report. For one of the collections, LVNV funding the collection agency is past the limitations of the right to collect data and as of the LAW it states that information reported should be removed that is innacurate or violates the terms of conditions in which the right it has to collect such debt. The collection was sold off to another consumer in which was not the right of the consumer to continue to allow such credit reporting to hinder my credit as such, three years In South Carolina, the statute of limitations for most types of consumer and business debt is three years. Another item that is being reported on my credit is from XXXX XXXX XXXX XXXX this item is past the debt collectors rights to have this item reported on my credit and should be removed as such according to the statue of limitations and its law, The Virginia statute of limitations on debt is five years for written contracts and credit cards and three years for open accounts and oral contracts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
The items was removed from my credit and now I see they are still on or back on

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 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC
State: GA

Complaint narrative:
The items was removed from my credit and now I see they are still on or back on

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to complain about XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ), the Nevada Credit Reporting Act ( NCRA ), and 15 U.S.C. 1681c ( a ) and 1681g ( a ). I have attached my credit report with the information highlighted. 

I have an account with XXXX XXXX that is showing inaccurate information on my credit report. The inaccurate information includes : Account number, High balance, Last verified, Date of last activity, Date reported, Date opened, Payment status, Last payment, Payment history, Days late XXXX XXXX is violating the FCRA by reporting inaccurate information about my account. The FCRA requires creditors to report accurate and timely information to the credit bureaus. XXXX XXXX is also violating the Nevada Credit Reporting Act ( NCRA ), which mirrors the FCRA and provides additional protections for consumers in Nevada. 

As a result of XXXX XXXX 's actions, I have suffered the following damages : I have been denied credit. 
I have had to pay higher interest rates on loans. 
I have had difficulty renting an apartment. 
I have had difficulty getting a job. 
I have already taken the following steps to resolve the issue : I have contacted XXXX XXXX and requested that they correct the inaccurate information. 
I am demanding that XXXX XXXX immediately cease reporting inaccurate information to the credit bureaus. I am also demanding that XXXX XXXX remove all negative information from my credit report. 

I have attached my most recent credit report and the areas of violations are highlighted. 

I am specifically demanding that XXXX XXXX : Cease reporting the inaccurate information to the credit bureaus. 
Remove all negative information from my credit report. 

I am requesting that the CFPB take the following actions : Investigate XXXX XXXX 's actions. 
Take appropriate action against XXXX XXXX, including requiring them to remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
As of XX/XX/2023, I have sent letters asking the reporting agencies to remove incorrect addresses as well as my name that is reporting incorrectly. In the letter, I asked that this information be corrected and that I received a letter stating it has been corrected. When I went to pull my credit reports, this information has not been corrected nor have I received a letter stating they have done so.

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 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: CA

Complaint narrative:
For some reason theres various student loans accounts open when I did not have so many and I had at one point student loans is charging me double the amount owed. I reported it it took them a month around so to fix it, but never took it off my credit report so now it shows more open accounts that Im supposed to have I filed through the credit bureaus online, they still failed to fix it I believe the valid the federal Fair Credit Reporting Act ( 15 U.S.C. Sec. 1681a ( p ) ).

1788.101.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
As of XX/XX/2023, I have sent letters asking the reporting agencies to remove incorrect addresses as well as my name that is reporting incorrectly. In the letter, I asked that this information be corrected and that I received a letter stating it has been corrected. When I went to pull my credit reports, this information has not been corrected nor have I received a letter stating they have done so.

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 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
As of XX/XX/2023, I have sent letters asking the reporting agencies to remove incorrect addresses as well as my name that is reporting incorrectly. In the letter, I asked that this information be corrected and that I received a letter stating it has been corrected. When I went to pull my credit reports, this information has not been corrected nor have I received a letter stating they have done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Americas Car-Mart, Inc.
State: GA

Complaint narrative:
I didnt not sign a contract or did any business with XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I didnt not sign a contract or did any business with westlake

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 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: IN

Complaint narrative:
As of XX/XX/2023, I have sent letters asking the reporting agencies to remove incorrect addresses as well as my name that is reporting incorrectly. In the letter, I asked that this information be corrected and that I received a letter stating it has been corrected. When I went to pull my credit reports, this information has not been corrected nor have I received a letter stating they have done so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Lvnc funding LLC submitted in court false statements from original creditor XXXX bank from XXXX that claimed I didn't pay.i closed this account in XX/XX/XXXX. This company put this information on my credit report in XX/XX/XXXX appearing like this was a recent debt and sank my credit XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I recently Checked my credit report and found an inaccuracy that transunion refuses to properly investigate.I have account statements that show account was never late and on time the following accounts below need to be updated correctly and accurately to ( PAANL ) status XXXX XXXX acct # 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 non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I requested the following : 1. An agreement between their agency and the original creditor showing that they are authorized to collect this debt in their behalf.

2.original agreement between the alleged debtor and the original creditor showing where they agreed to payment terms.

3.amount of commission paid to debt collector if debt collection is successful.

4.name and address of original creditor.

5.address on file for the alleged debtor. 

If these items can not be furnished with 30 days I request the item be removed from all credit bureaus, EXPERIAN, XXXX and 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 non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Out of no where I see a Collection on my credit report for XXXX XXXX XXXX in the amount of {$270.00} dollars. It shows that the orginal creditor as XXXX XXXX whom I have never done business with. I have sent at least 3 letters to all the credit agencies with no resolution.

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 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Out of no where I see a Collection on my credit report for XXXX XXXX XXXX in the amount of {$270.00} dollars. It shows that the orginal creditor as XXXX XXXX whom I have never done business with. I have sent at least 3 letters to all the credit agencies with no resolution.

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 2023-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
Paid of my Ulta and Victoria Secret Credit Cards owned by Comenity Bank. Called to pay off accounts and requested email confirmation of my accounts being closed down. The agent confirmed and I left it at that. 

The cards showed paid off and closed on credit report, my accesses were closed down so I could no longer log in. I assumed I missed the email. 

In XXXX I recieved a letter for each card with interest fees I was charged after my accounts were " closed ''. 

I went to each platform to log in and both confirmed I didn't exist. Had to call customer service to re-gain access. 

Once I gained access I sent a message telling them everything I just stated amd requested they remove the fees and close my account as I had originally requested.

They sent a letter via physical mail denying my request and threatening to send me to collections if I didn't pay. Now the cards are back on my credit score and I can not log in due to not existing in their system. 

Please help. I always paid their cards on time and never thought I would be placed in a situation like this. 

Thank you for your help. 

Regards, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BILL.COM, LLC
State: CA

Complaint narrative:
I was a contract employee for a company that used Bill.com to pay me. For some unknown reason they won't release my paycheck? All they said is that they require more documentation, but they didn't tell me what documentation they needed. It's illegal to hold wages from an employee in all states epecially the state of California. I have tried to escalate my case without any success. I've also contacted teh XXXX of the company I worked for to see if they can get this company to release my paycheck. This has been one of the worse experiences I have every dealt with during my 30+ year career. Absolutely 100 % horrible company with terrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: CA

Complaint narrative:
For some reason theres various student loans accounts open when I did not have so many and I had at one point student loans is charging me double the amount owed. I reported it it took them a month around so to fix it, but never took it off my credit report so now it shows more open accounts that Im supposed to have I filed through the credit bureaus online, they still failed to fix it I believe the valid the federal Fair Credit Reporting Act ( 15 U.S.C. Sec. 1681a ( p ) ).

1788.101.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: AL

Complaint narrative:
I filed a complaint yesterday on XX/XX/XXXX. The company responded immediately, and stated that the collection would be removed from my credit bureaus! Instead of deleting the information. This same company added it to my other credit bureaus! 
Now, as of today XX/XX/XXXX my credit has dropped due to Inaccurate information, and that National Recovery Agency said they would REMOVE! 
Also, this account was removed in XXXX, and just reappeared a year later

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 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: IN

Complaint narrative:
As of XX/XX/2023, I have sent letters asking the reporting agencies to remove incorrect addresses as well as my name that is reporting incorrectly. In the letter, I asked that this information be corrected and that I received a letter stating it has been corrected. When I went to pull my credit reports, this information has not been corrected nor have I received a letter stating they have done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
on XX/XX/2023, on cashapp I had sent a receiver {$280.00} for concert tickets. The receiver received the money and did not transfer the product on time. I have requested a refund and the receiver has not been responding

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Have no knowledge of these accounts. I have filed a identity theft report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Card Receivables Fund Incorporated
State: WI

Complaint narrative:
There are many charges on this account that were not made by me. I contacted XXXX XXXX XXXX XXXX XXXX several times on and around XX/XX/XXXX. I told them there were many charges on this account that were not mine and there needed to be an investigation done. They would not take steps to look into the problem. I told them I was not going to make any more payments till it was investigated. They got fed up and tired of arguing about the debt and then sold the debt to XXXX XXXX XXXX, XXXX on XX/XX/XXXX. Same problem with this XXXX XXXX XXXX XXXX, I contacted them, explained the situation to them and nothing was done, or looked into, or investigated. I told them that many of the charges were not mine and I need all the information about the account to prove my case. They then just told me to pay the bill. I believe they do not have the Information, or are holding it back because they do not want me to be able to prove my case. They just want to get a Judgement on that Ridiculous Number they have listed on the Summons. All they care about is making a huge profit off a debt they pay pennies on a dollar for. On XX/XX/XXXX XXXX XXXX XXXX sold the debt to another debt collector Unifund. They hired a XXXX XXXX of XXXX XXXX to sue me for the debt. I tried discussing it with them and they told me to set up a payment plan. I told them I am not responsible for the hole debt and am not paying till the fraud issues are resolved. They filed a small claims law suit in court and will not get back to me, or discuss any investigation, or settlement options for my part in the debt. Another thing is they sued and on the Law Suit and there are Two people at my mailing address with the same name, only the middle initial is different. I do not think they know who and which one they are looking for., and have all the proper documentation to prove it. or have investigated it, and found fraud charges but do not want to admit it. Thank you

Company response to consumer: Closed with explanation