vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
Hello ; XXXX for {$490.00}? I never opened account with them!!! - I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Solidifi US, Inc.
State: GA

Complaint narrative:
On my credit report, it was discovered that there was a writ of XXXX XXXX and XXXX XXXX, Georgia with the plaintiff attorney XXXX and XXXX. 
I was listed on a suit with XXXX XXXX XXXX. I do not know this person. I was wrongfully noted as a defendant in this case. This notice was dated XX/XX/XXXX. 
Student loans were paid off in XXXX and this is not my obligation. 
I want to cleared from my record. It is impeding my ability to refinance my home

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 2021-01-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In XX/XX/2020 I was laid off from my position due to Covid19. I have a small car loan with XXXX XXXX, and they agreed to a forbearance program for the months of XXXX through XXXX. When the 3 months expired, I called and asked them for an extension, in which they agreed to. They stated that I had to sign a new agreement form and send it back to them. Upon receiving the new form, I signed it and sent it back immediately. I did not hear anything more from them so I did not make my XXXX and XXXX payments. At the beginning of XXXX I received a phone call from XXXX XXXX XXXX collection department stating that I was behind on my payments. I explained that I had an agreement that I would not have to make the payments for the months that they claimed I was delinquent, and they stated that they did not received my signed form back so they did not put the agreement through. I never received any notice up until this point that they had not received the form, or that any payment was being considered late. I asked the girl if I should pay something in order to not have my credit effected, and she stated that she was going to send a new form and as long as I signed it and sent it back that I would be fine. I did so immediately. A week later, I received a notice from XXXX ( whom I have a monthly monitoring service with ) that XXXX XXXX had reported a 30 and 60 day late on my credit report for the months of XXXX and XX/XX/2020. I immediately called them and they claimed that there was nothing that they could do. I filed a dispute with all major credit reporting companies and the results came back that they took the 30 day off for XX/XX/2020, and kept the XXXX delinquency on my report, changing it to a 30 day late. I have now re-disputed my case with all credit agencies 3 times, providing the documents from XXXX XXXX that prove I was not to make my payment for that month. The results continue to come back the same, XXXX XXXX refuses to remove this from my credit report. I have also contacted XXXX XXXX numerous times only to be told that they will not help me. I am XXXX years old and have never in my life had a single late payment. My credit has dropped 100 points due to this and I am hoping that someone can help me to get this removed from my credit like it should have been from the beginning.

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 2021-01-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In XXXX of 2020 I was laid off from my position due to Covid19. I have a small car loan with XXXX XXXX, and they agreed to a forbearance program for the months of XXXX through XXXX. When the 3 months expired, I called and asked them for an extension, in which they agreed to. They stated that I had to sign a new agreement form and send it back to them. Upon receiving the new form, I signed it and sent it back immediately. I did not hear anything more from them so I did not make my XXXX and XXXX payments. At the beginning of XXXX I received a phone call from XXXX XXXX XXXX collection department stating that I was behind on my payments. I explained that I had an agreement that I would not have to make the payments for the months that they claimed I was delinquent, and they stated that they did not received my signed form back so they did not put the agreement through. I never received any notice up until this point that they had not received the form, or that any payment was being considered late. I asked the girl if I should pay something in order to not have my credit effected, and she stated that she was going to send a new form and as long as I signed it and sent it back that I would be fine. I did so immediately. A week later, I received a notice from XXXX ( whom I have a monthly monitoring service with ) that XXXX XXXX had reported a 30 and 60 day late on my credit report for the months of XXXX and XX/XX/2020. I immediately called them and they claimed that there was nothing that they could do. I filed a dispute with all major credit reporting companies and the results came back that they took the 30 day off for XX/XX/2020, and kept the XXXX delinquency on my report, changing it to a 30 day late. I have now re-disputed my case with all credit agencies 3 times, providing the documents from XXXX XXXX that prove I was not to make my payment for that month. The results continue to come back the same, XXXX XXXX refuses to remove this from my credit report. I have also contacted XXXX XXXX numerous times only to be told that they will not help me. I am XXXX years old and have never in my life had a single late payment. My credit has dropped 100 points due to this and I am hoping that someone can help me to get this removed from my credit like it should have been from the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In XX/XX/XXXX I was laid off from my position due to Covid19. I have a small car loan with XXXX XXXX, and they agreed to a forbearance program for the months of XXXX through XXXX. When the 3 months expired, I called and asked them for an extension, in which they agreed to. They stated that I had to sign a new agreement form and send it back to them. Upon receiving the new form, I signed it and sent it back immediately. I did not hear anything more from them so I did not make my XXXX and XXXX payments. At the beginning of XXXX I received a phone call from XXXX XXXX XXXX collection department stating that I was behind on my payments. I explained that I had an agreement that I would not have to make the payments for the months that they claimed I was delinquent, and they stated that they did not received my signed form back so they did not put the agreement through. I never received any notice up until this point that they had not received the form, or that any payment was being considered late. I asked the girl if I should pay something in order to not have my credit effected, and she stated that she was going to send a new form and as long as I signed it and sent it back that I would be fine. I did so immediately. A week later, I received a notice from Experian ( whom I have a monthly monitoring service with ) that XXXX XXXX had reported a 30 and 60 day late on my credit report for the months of XXXX and XX/XX/2020. I immediately called them and they claimed that there was nothing that they could do. I filed a dispute with all major credit reporting companies and the results came back that they took the 30 day off for XX/XX/2020, and kept the XXXX delinquency on my report, changing it to a 30 day late. I have now re-disputed my case with all credit agencies 3 times, providing the documents from XXXX XXXX that prove I was not to make my payment for that month. The results continue to come back the same, XXXX XXXX refuses to remove this from my credit report. I have also contacted XXXX XXXX numerous times only to be told that they will not help me. I am XXXX years old and have never in my life had a single late payment. My credit has dropped 100 points due to this and I am hoping that someone can help me to get this removed from my credit like it should have been from the beginning.

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 2021-01-02 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: WI

Complaint narrative:
I have contatced each of the credit companies and i sent in police report and ftc report someone used my idenity to get a loan witch XXXX XXXX XXXX also they have used my information to get a credit card with XXXX XXXX, XXXX XXXX ( XXXX, XXXX, and XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX/XXXX and XXXX XXXX XXXX ) I have letters from XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX saying that it was proven that these accounts was open fraudulent. Each credit company got those items in the mail on XX/XX/XXXX which was sent certified mail. I asked for themm to verify and they have NEVER sent me any information from the creditor that I was the one that opened this fraudulent account, all they did was use E-oscar and that is not validation. Please remove this fraudulent account from my credit report or i will sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
I've contacted this Collection Agency 3 times now and have not had a response back. I've waited the recommended time ( 30 days ) per letter and I've sent every letter Certified Mail with no response back from them. I'd like to get this debt they say I owe, validated to ensure this is my debt and they have not provided the original signed document with my signature on it as proof of debt. 

I have contacted the 3 credit bureaus ( XXXX, XXXX, & XXXX ) and they have stated that they were able to validate and verify this debt by the collection agency but did not state HOW it was validated and I would like the proof of my owing this debt because otherwise it is hurting my ability to purchase a house and enjoy a life of good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: NC

Complaint narrative:
I have reached out to Transunion on several occasions asking them to supply me with the 3rd party information they are using to 'validate ' the collection account XXXX XXXX XXXX Acct # XXXX they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also for them to identify the company they are using to erroneously verify incorrect reporting. Transunion has misled and deceitfully reported information that they have not properly investigated or has purposefully not been forthcoming with their inability to produce accurate paperwork detailing account information. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. Transunion refusal to supply this information yet still report false information has harmed my credit and therefore makes their actions illegal. 

I demand that Transunion cease reporting this false information. This is my fourth and final attempt to have this false information removed from my credit file. I attend to take legal action under the protection of Fair Reporting Credit ACT

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 2021-01-02 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: UPGRADE, INC.
State: CA

Complaint narrative:
After speaking with an Upgrade customer service agent, I was told that it takes there company 7 business days to post charges to their credit card so you are not able to pay off the actual full balance, only what shows as the balance minus charges with the last 7 business days, but the dates for the charges show the current date, ( the image showing pending charges have a date of XX/XX/2020, but were charged 5 days prior to that date ) even though your account shows your current balance with those charges that they deem as " pending ''. And when you do make a payment, it does not deduct from your bank account for 7-10 business days and you are charged interest that has not yet accrued when you make that initial payment. It will eventually credit back to your bank account, but I question charging interest that has technically not yet accrued. If you do try to make a payment over the amount due ( which they automatically will deduct ) you HAVE to speak to an agent over the phone, which I have actually been on hold for 35 minutes just to talk to someone to make a payment. This companies goal seems to be to ensure it's customers accounts show activity that is not necessarily happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am trying to file online dispute today XX/XX/XXXX with my equifax.com account about a merchant that falsely put a collection on my account from XXXX XXXX XXXX for XXXX XXXX XXXX in XXXX XXXX, Ca. ; as they were not authorized to do certain repairs but did without authorization from the insurance company or me. I was left to pay my portion of the bill, which I did and left a balance with the insurance company that they tried to put on me. I previously disputed it with experian in OXX/XX/XXXX and it was deleted from my account. Now I am currently trying to dispute it with equifax, equifax online system first said I can not because I have already disputed it, which I have not. Then I tried to login to my equifax account again later and the page goes nowhere and just hangs or says login is not available at this time. Then I use a different browser and it starts to work until I put my personal information in then it does the same thing connection lost. At the same time as I do these activities online someone in my building slams a door every time, so it appears my activity is being monitored by someone else/hacker in my location. Also on my phone it does the same thing, which I have reported to the FCC about this and have a report number. Additionally, I have contacted the local police about retaliatory theft ( and harassment by this merchant and people in my neghborhood ) off my vehicle/ home after I began disputing these charges, but I believe the police is also in on the people stealing or allowing people in the XXXX XXXX of XXXX XXXX to assualt me.I don't understand how they would let this happen either as I am a Federal Government employee and a military veteran as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big Picture Loans, LLC
State: CA

Complaint narrative:
We tried to payoff our loan on XX/XX/XXXX. The payoff amount listed on their website stated for that day was {$2300.00}. It stated that the online payment was disabled and we needed to call to make payment. The representative told us a payment was already processing for {$320.00} for the following Monday XX/XX/XXXX and that we would have to call back that Monday to get the payoff amount for that day. We called back twice to talk to them more on why we could not pay off our loan and we were hung up on. I called our bank and the said they saw no payment pending on our account. We feel that they would not let us pay off our loan so that they could make more money off the interest that would accumulate over those three days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: TX

Complaint narrative:
Experian has failed to respond to my repeated attempts to remove a fraudulent account that was placed by XXXX XXXX. I have called numerous times, mailed, and disputed online and they still have not removed the account even though XXXX/XXXX confirmed it was fraudulent. Since I did not authorize these companies to obtain my credit report I demand that these unauthorized inquiries and XXXX account be removed immediately and my credit score be adjusted accordingly. I am now asking the CFPB to enforce the FCRA as they have violated my rights as a consumer and broke multiple laws.

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 2021-01-02 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: FL

Complaint narrative:
On or about XX/XX/XXXX I filed a complaint with CFPB ( # XXXX ) against XXXX XXXX  concerning XX/XX/XXXX day late payment error on my credit report, on XX/XX/XXXX XXXX XXXX Responded to the complaint saying on XX/XX/XXXX they submitted a request to the Credit Bureaus to have this 30/60/90 day late payment error corrected to ( Paid in Full & Paid as Agreed ) on my credit report. Also XXXX XXXX emailed me a confirmation letter stating that they advised the credit bureaus to remove the 30/60/90 day late payment error from my report. So it would Reflect PAID IN FULL / PAID AS AGREED & PAID ON TIME, the Credit Bureaus refused to make these Corrections to my credit reports. So on XX/XX/XXXX I mailed copies and faxed proof of my ID to the Credit Bureaus and attached the response letter to CFPB from XXXX XXXX & the letter that was email to me by XXXX XXXX stating that they have reached out to the credit bureaus to remove & correct the 30/60/90 day late errors and to update my account. XXXX & Experian, XXXX refuses to make corrections after XXXX XXXX have requested for the 30/60/90 day late to be remove. I have been disputing this Error to the credit bureaus personally since XX/XX/XXXX concerning this Particular 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