vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-14 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
i filled a dispute in regards to the incorrect items in my credit report it has been well over 30 days and i haven't received any investigating reports.

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 2021-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Adjusters, LLC
State: WA

Complaint narrative:
I received collection notices for two accounts that previously dropped off my credit report ; the original debts stemmed from XXXX. The accounts were not showing on my credit report, but they came back in XXXX. 

I understood if I paid the full amount of the debt owed, the collection agency would remove these items from the credit bureaus. 

I wanted to be done with these negative marks on my credit report. Hence, I paid the two collection balances in full to National Credit Adjusters Collection Agency, who put the collections back on my report. However, these debts remain on my credit report showing paid, but I understood by paying the debts in full and not negotiating a lower payment, the debts would no longer show at all on my credit report at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I Noticed a couple accounts and inquiries on my report info not recognize

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 2021-08-14 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:
My Experian Credit Report showed an unpaid debt from XXXX/XXXX. After multiple attempts to have this error on my report corrected, I sent Experian a final request via certified mail to send me proof of debt or have to remove the error. Attached is the Experians credit report. 

As per all the previous attemot to correct an error in my report, they send the same answer stating : Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/2021. 

Experian does not provide any proof of debt, simply sends a one-line response without any validation. 

Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or CAN NOT BE VERIFIED ''.

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 2021-08-14 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: TX

Complaint narrative:
I filed a complaint more than 60 days ago, I still haven't heard anything about the investigation. Items need to be deleted, immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 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: OneMain Finance Corporation
State: MD

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have No proof I initated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furn
ish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 16811, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be in accurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : ONEMAIN  on XX/XX/2021 I AM REQUESTING UNDER FCRA 605B THAT THESE INQUIRES ARE IMMEDIATELY REMOVED FROM MY CREDIT REPORT FCRA 605B ( 15 U.S.C. $ 1681C-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. 
Thanking you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 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: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2021-08-14 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: The Outsource Group, Inc
State: NC

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ATG Credit, LLC
State: TN

Complaint narrative:
Initially I complained of ATG Credit placing a collection on my reports before the allowed 30 days were up, in which I requested a debt validation letter which was mailed to them on XX/XX/XXXX. ATG responded that they didnt receive the debt validation request but that they would get me a copy of the validated debt. This was on XX/XX/XXXX. It is now XX/XX/XXXX and I still dont have any mail from them showing how the debt is in fact valid. Yet, they are back to reporting to the credit bureaus. How am I supposed to be comfortable paying a debt, in which I have NO proof that the debt is actually mine? ATG Credit refuses to mail proof yet they keep causing a ding to my credit score by improperly reporting. This isnt fair and I need to see PROOF of the debt, in which they said they would send. Still nothing, yet my credit scores are suffering due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I fell into financial hardship with my auto loan. I've called them and told them I'm going through a break up with my wife and then covid hit which left me unemployed with XXXX XXXX XXXX XXXX. They deferred a couple payments but didn't help me enough. I wanted to refinance my loan to get back on track and keep the only vehicle I have to transport my children and to find another job. They refused and would rather repossess my only vehicle. If you can avoid capital one auto finance I would advise it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 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: CITIBANK, N.A.
State: DC

Complaint narrative:
I was lost my job due to the pandemic I called Citibank immediately letting them know I lost my job but got another job. Due to the gap in pay periods before the break job started I notified Citi I needed my payment date to be extended. The representative assured me that there would no penalty and allowed me To skip a payment. I made a payment by scheduling it with her. When the date came for the automatic payment I noticed it wasnt showing on my citi app but there was a banner that asked if I had difficulty paying to lol at payment options. I clicked the banner and scheduled the oayment Im a week. 
I now have a job Im able to pay my balances off. I work for the XXXX XXXX and I have a security clearance I can lose my security clearance over negative credit reports. I have never been late before and citi lied and misrepresented themselves. They have also lowered my credit limit even though i have made large payments to other credit cards to lower my utilization. With the reported late payment and lowered credit limit my score lowered by 70 points and its not fair. I can lose my clearance

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 2021-08-14 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: IL

Complaint narrative:
On XX/XX/XXXX I filed a complaint to CFPB on the credit bureaus not accurately investing an account that has been reporting on my credit for the last 3 years incorrectly with the incorrect amount. On XX/XX/XXXX I received a email from Experian stating that yet again based on there investigation that it was verified and accurate. I sent a certified letter originally dated XX/XX/XXXX to let them know of the inconsistencies between all the bureaus to get this account resolved, where no one seem to care. With all of the different amounts I have been unable to verify who is honest so that the account could be resolved. Recently on XX/XX/XXXX I was contacted back by the lawyer in regards to the account in question. I questioned the amount and he guaranteed that his amount was accurate even after I told him that it was reporting an opposite amount on my credit. He then sent me the dated judgment filled and dated XX/XX/XXXX that showed the amount it should be {$4600.00} with lawyer fees added {$5300.00}. My credit report from Experian shows {$4500.00} charged off with a balance of {$5200.00}. Of course his amount is different from what is being reported like I have been saying for the last 3 years of my disputes. How was this account investigated? It seems no proof was provided for this account to be reported or investigated. If this account was verified by the creditor and the bureaus multiple times, why is the balance off, who is correct? I had faith that based off the FCRA laws that it would have been took more seriously. If this information was verified and correct then why do I have proof otherwise? Is the lawyer reporting it one amount and telling me a different amount for more? How is this ok? Better yet how are you allowing this and not protecting the consumer?

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 2021-08-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Last XX/XX/2021, I sent letters to these credit reporting services to dispute inaccurate items on my credit report. They have been continuously reporting these items that are unknown to me for a while now and if I hadn't checked my personal credit profile two months ago before applying for a personal loan, I wouldn't have known about these derogatory items in my profile that are catastrophic to my credit score. 

It has been over 60 days since I sent them my dispute letters, and I have not received a single response from either one of them. I was already upset because I had to postpone my loan for two months since I need these items removed immediately and my credit score updated, but now, I feel like I am being ignored and taken advantage. This is in violation of the FCRA. Section 611 ( a ) plainly states that a failure to investigate any items within 30 days will result to the immediate removal of those items from my credit report. It has been well over 30 days, so they should have been deleted 30 days ago by law. If these accounts will not be deleted immediately, I will file for litigation against them in their violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I rented an apartment 2 years ago. When I cancel my contract I gave the 30 days notice that stipulates in my contract. We vacated the apartment on XX/XX/2019. But paid the month of XX/XX/2019. Anyway. They sent me a letter stating that they were going to used my initial deposit for cleaning purposes and whatever was left they were going to send it in a check to my address. Two years after they called me trying to get money from us. I talked to the collection agency and showed them the final letter of what I paid. Anyway the apartment complex didn't want to give me a copy of the money order for the last month. My credit was impeccable until this happened, I don't know what else to do to prove that I have not debt anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-14 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
i recently sent a letter to the Portfolio Recovery associates llc and in That letter also clearly stated my request for them not to contact me by phone, at home or work or anywhere else. This letter was sent via certified mail with return receipt, which I have proof of. Since you have continued to call me after receiving that letter, you are now in violation of the FDCPA which I assume you know very well. 
And they continue to harrass me with phone calls and collections notices of debt that do not belong to me and if they continue to pursue reporting on my credit report than i would like to take legal action as soon as possible.thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experience, reduced my credit score before doing detailed research on a false debt collection account that was fraudulent. I demand a huge boost on my credit score of XXXX points immediately!

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