vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. Experian, XXXX, and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 According to the 15 U.S.C 1681 section 602 A. States I have a right to privacy. 

Theses addresses, place of employment and phone numbers do not belong on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX Ohio XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Ohio XXXX. XXXX XXXX XXXX XXXX  XXXX, XXXX Ohio XXXX, XXXX XXXX XXXX XXXX, XXXX Ohio XXXX, XXXX XXXXXXXX XXXX XXXX Ohio XXXX, XXXX XXXXXXXX XXXX. Phone number 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 2022-04-23 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:
THE FAIR CREDIT REPORTING ACT OUTLINES THE RIGHTS THAT IDENTITY THEFT VICTIMS AND THOSE WHO BELIEVE THEY ARE VICTIMS HAVE THE RIGHT TO BLOCK FRAUDULANT INFORMATION FROM THEIR CREDIT REPORT AND STOP A COMPANY FROM REPORTING INFORMATION RESULTING FROM IDENTITY THEFT. BLOCK AND REMOVE THIS FRAUDULANT ACCOUNT.

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 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In accordance with the fair credit reporting act, EXPERIAN, XXXX, XXXX has VIOLATED my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A. States I HAVE the right to privacy Theses addresses and Names DO NOT belong on my credit report 1. XXXX XXXX XXXX XXXX XXXX KS XXXX 2. XXXX XXXX XXXX XXXX XXXX, KS XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX. XXXX 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 2022-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
I contacted the XXXX XXXX XXXX, XXXX on XXXX to dispute the bill on my medical report because they represent a company that did not send the medical bills to the VA for pay, ent. I am XXXX XXXX  service connected and the VA pays all medical bills. I called them with the VA on the line and gave them the info for submitting the bill for removal from my credit report. They continued to call and harass me and continued to report my credit to collections. 


I contacted XXXXXXXX XXXX XXXXXXXX by phone ( XXXX ) XXXX with the and notified them I was making a formal complaint because I contacted them on XXXX to dispute the bill on my medical report because they represent a company that did not send the medical bills to the VA for pay, ent. I am XXXX XXXX service connected and the VA pays all medical bills. I called them with the VA on the line and gave them the info for submitting the bill for removal from my credit report. They continued to call and harass me and continued to report my credit to collections. 

I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX They have repeated threatened me all of XX/XX/2022 to destroy my credit for medical bills because they represent a company that did not send the medical bills to the VA for pay, ent. I am XXXX XXXX service connected and the VA pays all medical bills. I called them with the VA on the line and gave them the info for submitting the bill for removal from my credit report. They continued to call and harass me and continued to report my credit to collections. 

I contacted Wakefield and Associates, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX They have repeated threatened me all of XX/XX/2022 to destroy my credit for medical bills because they represent a company that did not send the medical bills to the VA for pay, ent. I am XXXX XXXX  service connected and the VA pays all medical bills. I called them with the VA on the line and gave them the info for submitting the bill for removal from my credit report. They continued to call and harass me and continued to report my credit to collections. 


Wakefield and Associates, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX They have repeated threatened me all of XX/XX/2022 to destroy my credit for medical bills because they represent a company that did not send the medical bills to the VA for pay, ent. I am XXXX XXXX service connected and the VA pays all medical bills. I called them with the VA on the line and gave them the info for submitting the bill for removal from my credit report. They continued to call and harass me and continued to report my credit to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This is re-aging which is illegal.I disputed these account XX/XX/XXXX and on XX/XX/XXXX and multiple dates in XX/XX/XXXX because they updated the information which is still incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. MN XXXX ( XXXX ) XXXX DATE OPENED XXXX XXXX. XXXX DATE REOPENED XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. MI XXXX ( XXXX ) XXXX DATE OPENED XXXX XXXX. XXXX DATE REOPENED XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX DATE OPENED XX/XX/XXXX DATE REOPENED XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: IL

Complaint narrative:
This is re-aging which is illegal.I disputed these account XX/XX/XXXX and on XX/XX/XXXX and multiple dates in XX/XX/XXXX because they updated the information which is still incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. MN XXXX ( XXXX ) XXXX DATE OPENED XXXX XXXX. XXXX DATE REOPENED XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. MI XXXX ( XXXX ) XXXX DATE OPENED XXXX XXXX. XXXX DATE REOPENED XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX DATE OPENED XX/XX/XXXX DATE REOPENED XXXX XXXX. 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 2022-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
CITIBANK HAS NOW MADE AN ETROR ON MY XXXX CREDIT REPORT. DUE TO THEIR NEGLIGENCE AND DISHONESTY, MY EXCELLENT, ALWAYS ON TIME PAYING ON 1ST OF EACH MONTH SINCE XXXX. I FILED A DISPUTE FOR IN TOWN SUITES AND THEY OPENED A CASE AND SENT ME A NEW CARD. THAT WAS THE WRONG THING TO DO BECAUSE IT WAS NOT A FRAUD CASE, IT WAS AN ITEM NOT AS DESCRIBED, DEFECTIVE BRECH OF CONTRACT WITH IN TOWN SUITES. SO NOW MY CARD WAS SENT TO MY XXXX XXXX ADDRESS, I AM NOT THERE I AM IN TX HELPING MY SISTER WITH STAGE XXXX XXXX XXXX. WE ARE STILL IN A PANDEMIC AS WELL. I CALL ON XX/XX/XXXX TO MAKE MY PAYMENT AND XXXX SAYS I CANT PAY DUE TO NEE CARD BEING SENT OUT. I TOLD HER TO MAKE A NOTATION ON MY ACCOUNT TO AVOID LATE FEES. 5 DAYS LATER I GET THREATENING EMAILS FROM CITI SAYING I NEED TO PAY MY BILL OR ELSE!!! I DONT HAVE THE NEW CARD AND WAS TRYING TO PAY BUT CANT WITHOUT THE LAST XXXX DIGITS OF THE REPLACEMENT CARD!!!! SO WHAT WAS I SUPPOSED TO DO??? I CALL CITI AND IT GOES STRAIGHT TO COLLECTIONS WHERE IM VERBALLY ACCOSTED BY XXXX. XXXX THREATENING ME AND TALLING DOWN TO ME LIKE THE SCUM OF THE EARTH HE IS. IM ASKING FOR A SUPERCISOR, AND HE SAYS " SO YOU DONT WANT TO PAY YOUR BILL?!!!! '' ARGUING WITH ME IM GLAD IT IS RECORDED YOU NEED TO LISTEN TO ALL PHONE CONVERSATIONS WITH CITI AND MYSELF. I CALL 5 TIMES BEING VERBALLY ASSAULTED BY CITI REPS AND FINALLY PAY {$100.00} SO I CAN STOP THE THREATENING FROM CITI. MY DISPUTE IS STILL NOT RESOLVED AND I STILL DONT HAVE MY REPLACEMENT CARD. NOW ON MY CRDIT REPORT IT DOESNT SAY EXCELLENT PAYS EVERY MONTH ON TIME AND IM.IN THE PROCESS OF BUYING A HOME. I WANT CITI TO GET SHUT DOWN WITH IN TOWN SUITES FOR TRYING TO RUIN MY LIFE IN RETALIATION FOR COMPLAINING!!!!

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 2022-04-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I have a fraud alert on my credit reporting and I was alerted that a hard inquiry was placed because someone tried to obtain a credit card at Bank of America in Texas and I dont live in Texas XXXX I called the bank and they were not able to help me because the office that deals with fraud is not opened right now. I have an appointment to speak with someone in person.

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 2022-04-23 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: KY

Complaint narrative:
XX/XX/XXXX I contacted XXXX in regards to inquires that I did not give consent to or have knowledge of until reviewing my consumer report on file with XXXX. Inquiries displayed on my report are as follows ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Miscellaneous

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
I had a vehicle I had purchased from Ford Motor company Ford XXXX. With in the first year I had several issue with vehicle being in the shop to the point where I had to contact Ford Motor Company because the vehicle had several major issues with in the first year. I spoke with a Ford Vehicle Specialist to get resolved. I was in a rental car for several months because the XXXX had transmission issues. Ford agreed to buy back my vehicle and help place me in a new vehicle once the vehicle was return to the dealership. In that transmission I was told by the specialist to not worry about pay the last months of the vehicle because its was going to be traded back to XXXX XXXX dealership and they would cover the cost of original loan since it was deemed a Lemon under the Lemon law act. I financed a new vehicle with the trade in with Ford motor credit at the XXXX XXXX dealership. In that transition time my old payment was not updated which caused it to go past 30 days because on the loan specialist part they did not take into account to buy back time frame. The vehicle loan was closed out the next month and now I have a negative hit on my credit because the vehicle was not properly transition when I was trading in the old for new. I asked Ford to remove impact and they declined. The loan was acted in bad faith and I would like to get this resolved since I purchased with Ford Motor Credit again event though the first vehicle was classified as a Lemon under the Lemon law act XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-23 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: MA

Complaint narrative:
I am XXXX and I had a live in care taker. That caretaker opened up numerous credit accounts from XXXX through XXXX. I filed a police report and FTC identity theft report identifying the person who admitted to committing these crimes. I have tried numerous ways to correct these erroneous accounts for the past 2 years. At this point Experian refuses to look into this dispute any further. This is causing social and financial damages. My next step will be to secure an attorney.

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 2022-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have notified the credit bureaus in regards to these negative items being reported on my credit report. I have no knowledge of this account and I asked numerous times for it to be removed. XXXX and XXXX has already determined that the accounts does not belong to me in which they deleted the items. Equifax is the only bureau still reporting these inaccurate items. I was a victim of Identity theft in which I have submitted my FTC complaint as well as a police report to validate. A ton of inquiries and collection accounts showed up on my report and they should not be there. 
XXXX XXXX has not responded with the any documentation bearing my wet ink signature nor have they provided any proof of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I have notified the credit bureaus in regards to these negative items being reported on my credit report. I have no knowledge of this account and I asked numerous times for it to be removed. XXXX and XXXX has already determined that the accounts does not belong to me in which they deleted the items. XXXX is the only bureau still reporting these inaccurate items. I was a victim of Identity theft in which I have submitted my FTC complaint as well as a police report to validate. A ton of inquiries and collection accounts showed up on my report and they should not be there. 
PYOD LLC has not responded with the any documentation bearing my wet ink signature nor have they provided any proof of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX 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.

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 2022-04-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i submitted dispute to all ( XXXX ) credit reporting agencies and XXXX. I was reported as being late on forebearance and they did a loan modification-but also a Death occurred related to XXXX to my spouse who was also a co-borrower on the Mortgage loan with XXXX. I filed a hardship request back in XX/XX/XXXX on the death of the Co-borrower and request time for hardship into XX/XX/XXXX, until i could get back on my feet. I was told by the representative XXXX, they never acknowledge my Hardship request even thought I submitted information on the Death of co-borrower. Instead they went and marked my XXXX mortgage late. I reached out to the Lost and mitigation dept at XXXXthey told me they were very backlogged, even though the death letter and death certificate was sitting in the loan soultion webiste for XXXX, nobody has yet reviewed my request at XXXX because they are so backlogged. 

XXXX- did successfully resolved their investigation - and restored my credit back to as it was In XXXX score of XXXX and no lates. filed CFPB XXXX XXXX - still not resolved the same investigation that i filed with CFPB XXXX -- still showing forebearance-Loan Modification & hardship as being late with XXXX. 

Experian - still not resolved the same investigation that I filed XXXX XXXX -- still showing forebearance-Loan Modification & hardship as being late with XXXX. 

I am still waiting for XXXX & Experian to fix my Credit Report scoring XXXX to what it was back In XXXX XXXX to scoring XXXX... .I was severly impacted by XXXX and XXXX death of the co-boworrer / my spouse 20 years - XXXX XXXX who died XXXX XXXX an XXXX at XXXX XXXX  and XXXX home. He worked in the Covid ICU ward from XXXX to XXXX ... ..XXXX  was not to show as being late on forebearance & hardship extenstion, on my Mortgage and to give me continue hardship releif unitl end of XX/XX/XXXX, is what i requested, until i could get back on my feet.

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 2022-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.

Complaint narrative:
We chose Navient in an effort to consolidate student loans. We were under the impression Navient provided loan consolidation. Instead, Navient set up payments to the individual loans, each with varying interests, charging fees for their " consolidation '' services. After several years of payments, we noticed that the principal balance had reduced very little and decided to seek a new company that provided true debt consolidation. The final balance of {$41.00}, XXXX was paid to Navient on XX/XX/XXXX. On XX/XX/XXXX, Navient showed a XXXX XXXX XXXX in the amount of {$820.00}, which was never disbursed. In XXXX, Navient continued to charge us even after the balance was paid off. We called Navient and they said they would correct the problem. According to the attached statements, Navient did reverse the charges on XX/XX/XXXX and still had not distributed the XXXX XXXX XXXX shown on the statement. Beginning in XX/XX/XXXX, Navient began charging late fees on a nonexistent balance and continued to do so through XXXX of XXXX. After several calls to Navient, they promised to open an investigation and correct the errors. The customer service representative admitted there was a problem, stating that it was " a mystery and a puzzle ''. Despite repeated attempt at correcting the issue and a promise of an investigation, Navient proceeded to report the balance to my credit agency which has now affected my credit. The company has still provided no solution, has not disbursed the {$820.00} Credit Balance Refund, and continues to charge late fees and report balances as unpaid when the statement clearly shows the opposite as evidenced by the attached statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX, XXXX and Transunion are reporting inaccurate information. I sent a letter on XX/XX/22 about an inaccuracy on my credit report. There is a collection that was paid off, but XXXX is reporting it even though there's an agreement with the original creditor to delete once paid. The account they are reporting is also a violation of XXXX. Unauthorized inquiries are being reported by all XXXX credit bureaus. Please delete the inaccurate account and unauthorized inquiries. The letters that were mailed are attached listing the items to remove. The collection account to remove is XXXX XXXX XXXX XXXX the account number is XXXX. Please reference the attachments for the unauthorized inquiries.

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 2022-04-23 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: TX

Complaint narrative:
XXXX, Equifax and XXXX are reporting inaccurate information. I sent a letter on XX/XX/22 about an inaccuracy on my credit report. There is a collection that was paid off, but XXXX is reporting it even though there's an agreement with the original creditor to delete once paid. The account they are reporting is also a violation of XXXX. Unauthorized inquiries are being reported by all XXXX credit bureaus. Please delete the inaccurate account and unauthorized inquiries. The letters that were mailed are attached listing the items to remove. The collection account to remove is XXXX XXXX XXXX XXXX the account number is XXXX. Please reference the attachments for the unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
someone changed ly password on my online account and accessed my returns coming in to a forgien account

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