vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After multiple of disputes no information provided by the company ( XXXX XXXX ) is matching any of 3 Credit Bureaus .Enclosed is a reply from XXXX . 
I have only received a reply from XXXX that they verified information and its accurate and complete!!!??? Accurate and complete??? As per enclosed Screen Shot last time they verified this account XX/XX/XXXX.It means they never did .XXXX sent me XX/XX/XXXX sent me a post card stating that they can't find me in a system with a bogus explanation, which is basically computer generated " go away, do not bother us no more '' message .Transunion did not even bother to reply ever .Please review all attached documents and Certified Mail Receipts. 
Bellow is my brake down of how the account is reported by the furnisher and all 3 Credit Bureaus : Date account opened : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TR XX/XX/XXXX # of Month of terms : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Balance : XXXX {$6100.00} XXXX XXXX XXXX XXXX XXXX XXXX Date of Last Activity : 4 different dates, even years!!!!!!!! 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TR XX/XX/XXXX Which raising a huge question about when this account should come off the report!!! 
Please examen their own ledger. 

Date of Last Payment : Different Dates and even years!!!! 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TR XX/XX/XXXX Which raising a huge question about when this account should come off the report!!! Please examen their own ledger. 

Last time reported : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TR XX/XX/XXXX It means XXXX have never conducted investigation and have never responded to Transunion and XXXX .Tansunion and XXXX have never initiated investigation either. 
Now its even more understandable why all dates and dollars mismatch. 
What is even more interestingly that contract that apparently has my signature on it Doesn't have an account number that XXXX Bank refers to!!!!! How do I even know who this account number belongs to??????? 
To establish the credit file the furnisher must submit the initial contract to all 3 Credit Bureaus, than how this account number belongs to me without my signature????

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 2021-07-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After multiple of disputes no information provided by the company ( XXXX  XXXX  ) is matching any of 3 Credit Bureaus .Enclosed is a reply from XXXX XXXX 
I have only received a reply from Experian that they verified information and its accurate and complete!!!??? Accurate and complete??? As per enclosed Screen Shot last time they verified this account XXXX means they never did .XXXX  sent me XXXX  sent me a post card stating that they can't find me in a system with a bogus explanation, which is basically computer generated " go away, do not bother us no more '' message .XXXX  did not even bother to reply ever .Please review all attached documents and Certified Mail Receipts.

Bellow is my brake down of how the account is reported by the furnisher and all 3 Credit Bureaus : Date account opened : XXXX  XX/XX/XXXX Ex XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX # of Month of terms : XXXX XXXX Ex. XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : XXXX {$6100.00} Ex XXXX XXXX XXXX XXXX XXXX Date of Last Activity : 4 different dates, even years!!!!!!!! 
XXXX XX/XX/XXXX Ex XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Which raising a huge question about when this account should come off the report!!! 
Please examen their own ledger. 

Date of Last Payment : Different Dates and even years!!!! 
XXXX XX/XX/XXXX Ex XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Which raising a huge question about when this account should come off the report!!! Please examen their own ledger. 

Last time reported : XXXX XX/XX/XXXX Ex XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX It means XXXX have never conducted investigation and have never responded to XXXX  and Experian .XXXX and Exppirian have never initiated investigation either. 
Now its even more understandable why all dates and dollars mismatch. 
What is even more interestingly that contract that apparently has my signature on it Doesn't have an account number that XXXX XXXX  refers to!!!!! How do I even know who this account number belongs to??????? 
To establish the credit file the furnisher must submit the initial contract to all 3 Credit Bureaus, than how this account number belongs to me without my signature????

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 2021-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I have just received a credit card through Citi Bank. The Custom Cash Card. And I used it once and immediately got locked out of the card and had to go through a verification process. After getting the card unlocked I used it again on a single purchase to wash my car then tried to use it at XXXX and it was again locked for suspicious activity. Called to try to unlock it and they have to send me a letter to verify suspicious activity again. I asked them if this was going to be and ongoing issue that every time I used the card once it was going to lock me out of the card and they hung up on me. I had to over draw my bank account to purchase the items I needed at XXXX. This is outrageous. I understand wanting to protect against suspicious activity. But not every time I use the card

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 2021-07-20 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: PA

Complaint narrative:
Experian reporting completely inaccurate information on a collection account. Out of nowhere a collection account showed up on my report on an account that was paid in full. All equipment was returned, and a XXXX  balance remained. Yet inexplicably the account showed up in collections and Experian has refused to rectify this ... even though I have shown them it is inaccurate. They also will not furnish me any proof or evidence that this account even exists.This information is costing me as far as my mortgage rate as well as my daughters student loan rates. It is doing substantial and puitive damges to me financially. The fact that they are allowed to get away with this behavior is abhorrent.

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 2021-07-20 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: Nelnet, Inc.
State: CA

Complaint narrative:
Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Education Loan Balance on XX/XX/XXXX {$3300.00} Loan Amount {$3000.00} It states I was late on payments XXXX, XXXX, and XXXX of XXXX. I continued to go to school so there for I did not have to make payments yet on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2021 CAPITAL ONE violated my consumer rights as listed below CAPITAL ONE sent a letter stating I owe a balance. According to 15 USC 1692c ( a ) without my prior consent as the consumer giving directly to a debt collector they may not communicate with me in connection with any debt CAPITAL ONE continues to call my telephone repeatedly and continuously on a daily basis to annoy, abuse, and harass me on many occasions. According to 15 USC 1692d ( 5 ) causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

CAPITAL ONE sent a letter that I owe a balance. According to 15 USC 1692a ( 6 ) debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose with collection of debt correspondence from CAPITAL ONE had a symbol on the contents that indicates that they are a debt collector and are in the debt collection business. According to 15 USC 1692b ( 5 ) See attached for All of the violations. 
I've sent CAPITAL ONE a cease and desist alone with an affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc.
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a text message from XXXX saying it was my bank Bank of America and they were asking if I made a transaction in XXXX Texas at a XXXX I texted back no then they said I will receive a call from XXXX which is my banks number I checked the back of my debit card and googled it. So I assumed it was legit. They asked if I had made the transactions at XXXX and a gas station in XXXX Texas I said no then they asked if I knew anyone in Texas I said no. Then they said there was a pending transaction through XXXX for XXXX to someone in Texas I said I didnt do that so they said in order for me to get the money back I would have to send it to my name and I believe them and did it. Then I couldnt hear anyone anymore so I hung up and called the same number back and Bank of America denied ever calling me stating it wasnt them..I had gotten scammed. I think it was my bank stealing the money because it was their phone number I have the phone call log when they called 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 explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: MO

Complaint narrative:
I originally reached out to the company Lexis Nexis on XX/XX/21 as a consumer i was concerned about how they are able to report my private personal information to people without ever having my consent. They told me that they got my information from a site called PACER and then sent my information to the three credit bureaus which is damaging my reputation, my credit and causing me stress. How can they expose my private information to all these companies without my permission, or ever even notifying me that they were selling my private information. I asked them to remove my information and they told me NO bc it is public information. There is no way that a personal private matter like mine can be in the public for anyone to see. I asked the courts if they shared my information with anyone and they stated NO. Lexis Nexis has viloated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20 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: Optimum Outcomes, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: OH

Complaint narrative:
I first disputed this account with Experian and informed them that I had already been paid the account off in XXXX of this year for {$820.00} and I then waited for a few months and they still had not made any adjustments to my account and I then contacted them directly and I was informed that the company who had my account needed to contact Experian so I then contacted the original company that had my account common wealth financial and was informed that they would get in contact with Experian to inform them that I had already paid the account off and now I noticed that Experian still has not yet made any changes to my account please help

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 2021-07-20 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Key 2 Recovery, Inc.
State: OH

Complaint narrative:
KEY 2 RECOVERY INC Date opened XX/XX/XXXX Status Collection account. {$5.00}, XXXX past due as of XX/XX/XXXX. 
Balance {$5200.00} Original creditor INDIANA XXXX UNIVERSITY Reached out to company to get debt cleared as I dropped out of college and later that day they added this debt to my name the same day I dropped out. Never went to any classes. This is not my debt as I never attended and dropped out

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: NJ

Complaint narrative:
On XX/XX/2021 AMSHER COLLECTION SERVICES INC has reported a collection claim on my credit report of {$730.00}. This claim was disputed about 8 months ago with XXXX XXXX XXXX and was removed from my credit report. This is linked to a fraudulent account opened under my name with XXXX which has been already resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft 01 CAPITAL ONE N A Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: Regional Management Corporation
State: TX

Complaint narrative:
I have asked that the debt be validated by Regional Finance and verified by the credit bureaus -XXXX XXXX XXXX and XXXX. I've sent a request to remove this inaccurate information on four different days. On XXXX, XX/XX/2021, I sent letters via certified mail. XXXX XXXX and XXXX still have not removed this inaccurate information from my credit file. Regional Finance has sent me a letter stating they sold this account to XXXX XXXX XXXX and all ownership rights belong to them. 
Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ), I have the right to request validation of the debt that Regional Finance says I owe them. Therefore, I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Also, in compliance of Section 623 ( a ) ( 8 ) ( D ) of the FCRA, if Regional Finance can not validate because they sold the referenced account with disputed information, then Regional Finance is reporting " Unverified/inaccurate information '' -- which is a violation of Section 623 ( 2 ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: Manhattan Beach Venture, LLC
State: TX

Complaint narrative:
My name is XXXX XXXX, and I was an individual that was involved in the student loan scam perpetuated by XXXX XXXX XXXX. I request a copy of all loan documents I procured with the U. S. Department of Education to be emailed to me as soon as possible, and in addition, the necessary forms to complete to apply to my fraud claim against XXXX XXXX XXXX. I was not part of the XXXX case filed by the Consumer Financial Protection Bureau in 2014. However, XXXX used fraudulent means in their actions to get me sign on excessive charges where services were minimal. 

According, I need the following : 1 ) Copies of all loan documents between myself and XXXX XXXX XXXX that were assigned to the U. S. Department of Education. 

XXXX XXXX Any application needed to file my claim for educational loan relief. 

Thank you for your help and cooperation in this matter. 

XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-07-20 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: AES/PHEAA
State: CA

Complaint narrative:
I received a letter from Fedloan Servicing dated XX/XX/XXXX showing that my student loans have been paid off in full. 
Their website shows as of today XX/XX/XXXX that I owe {$270.00}. 
This is upsetting seeing that the company has already sent me a formal letter detailing how I have paid off my accounts in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-20 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: WA

Complaint narrative:
I've sent dispute letter to dispute incorrect and fraudulent information and they're still not deleted from my credit report files.

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 2021-07-20 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: PA

Complaint narrative:
I recently received alerts from the credit bureaus about new hard inquiries that I did not authorize. I contacted the creditors and was unsuccessful in trying to find out any information. I tried contacting each credit bureau and was unsuccessful in reaching a live agent. I am trying to be proactive in catching activity on my credit file before any real damage is done.

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