vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am trying to access my free credit report. I have not been able to get access for several years and I am concerned about what may be occurring. I need help with this matter.

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 2020-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have an american express personal platinum card and an american express corporate platinum card. Both appear on my personal credit report. 

American express is not supposed to have a credit limit, but mine report a credit limit with the monthly statement. This limit is not appropriately reported to credit agencies. 

The balance on the card shows or the maximum amount in the month which adds to the numerator for credit utilization, but because the denominator is not included/reported, it falsely elevates my credit utilization. 

If there is a maximum reported on my statement that amount should be required to be reported to the credit agencies to give a fair, accurate, and complete picture of my credit utilization. If this amount changes the change can be reported the same as when any other card increases or decreases the credit limit on an active credit card account. 

Amex never reports the many months of negative balance on my cards. I know it is the amex card, because I had 3 cards. My total credit showed {$75000.00}. My XXXX card is {$25000.00} and my Master Card is  {$50000.00}. My amex shows {$25000.00}. If Amex reported the total would be {$100000.00}. That is 33 % increase in credit limit that would decrease utilization and improve my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: AE

Complaint narrative:
i was viewing my credit report for the first time during the month of XXXX. I saw that the collection company Credence Resource Manage was reported as debt from them for the amount of {$730.00}. Then i proceeded disputed the debt on the account. After XXXX  did an investigation on the the said debt the result was '' Account information disputed by consumer, meets FCRA requirements '' for which i don't know what that means because i have not received any previous notice concerning this debt nor have i been contact at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-13 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: MA

Complaint narrative:
XXXX XXXX  who I have ( had ) an account open with closed my account. It is linked to my XXXX card. There are SEVERAL THINGS seeming off about this - my employment amount and status is secure due to the fact I work for XXXX myself -i opened the account during XXXX time ( early XXXX ) to buy gifts, i passed the credit approval that month -XX/XX/XXXX ( according to the report ) says my credit score was XXXX, WRONG! 
i have multiple documents proving otherwise, and give you full permission to contact ANYONE involved to fix this fraud or mistake, whatever this is. 

XXXX XXXX I applied for a car and my credit score was XXXX ... ..how did my credit score go up 109 points in 11 days, IT DID NOT. 

My current credit score ( before it took the 23 point hit from this account closing ) was XXXX. There is no possible way it is XXXX now and XXXX in XXXX Also if I opened the account a month prior ... ..how did it go up 109 points which i mentioned before. 

Another reasoning was not paying enough on my installment loans, only installment loans I have open our college loans, I am still in college and will be until XXXX. ANOTHER ERROR. 

One of the reasons list as well was no secure loan information on real estate? I do not have real estate I am XXXX. 

I have XX/XX/XXXX and stay ON TOP of my score, it was never XXXX, or even under 600 EVER. There source of information also is transunion WHICH I USE ON MY XX/XX/XXXXAPP, also wrong. Another source I trust for my credit score is my XXXX CC report at the end of the month that tells me my monthly credit report. Also in the 660s for the beginning of this month. 

I opened the account in XXXX but under investigation a month later? how can you get approved then that happens? 

ANOTHER factor, this credit score was taken in XX/XX/XXXX ... ..but my account was closed XX/XX/XXXX. 

Point blank : there is a SERIOUS mix up that needs to be fixed.

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 2020-05-13 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: CAVALRY INVESTMENTS, LLC
State: TN

Complaint narrative:
Two accounts on my credit reports were dismissed in court but the credit reporting agencies refuse to remove them and one account, XXXX XXXX, uses several different collection agencies in an attempt to collect. The other account is Calvary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-13 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Two accounts on my credit reports were dismissed in court but the credit reporting agencies refuse to remove them and one account, LVNV Funding,  uses several different collection agencies in an attempt to collect. The other account is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Synchrony bank who I have ( had ) an account open with closed my account. It is linked to my TJX card. There are SEVERAL THINGS seeming off about this - my employment amount and status is secure due to the fact I work for TJX myself -i opened the account during XXXX XXXX ( early XXXX ) to buy gifts, i passed the credit approval that month -XX/XX/XXXX ( according to the report ) says my credit score was XXXX, WRONG! 
i have multiple documents proving otherwise, and give you full permission to contact ANYONE involved to fix this fraud or mistake, whatever this is. 

XXXX XXXX I applied for a car and my credit score was XXXX ... ..how did my credit score go up 109 points in 11 days, IT DID NOT. 

My current credit score ( before it took the 23 point hit from this account closing ) was XXXX. There is no possible way it is XXXX now and XXXX in XXXX Also if I opened the account a month prior ... ..how did it go up 109 points which i mentioned before. 

Another reasoning was not paying enough on my installment loans, only installment loans I have open our college loans, I am still in college and will be until XXXX. ANOTHER ERROR. 

One of the reasons list as well was no secure loan information on real estate? I do not have real estate I am XXXX. 

I have XXXX XXXX and stay ON TOP of my score, it was never XXXX, or even under 600 EVER. There source of information also is transunion WHICH I USE ON MY XXXX XXXX APP, also wrong. Another source I trust for my credit score is my XXXX CC report at the end of the month that tells me my monthly credit report. Also in the XXXX for the beginning of this month. 

I opened the account in XXXX but under investigation a month later? how can you get approved then that happens? 

ANOTHER factor, this credit score was taken in XX/XX/XXXX ... ..but my account was closed XX/XX/XXXX. 

Point blank : there is a SERIOUS mix up that needs to be fixed.

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 2020-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NY

Complaint narrative:
The first date is XX/XX/2020 I got deposited XXXX cents tried to get my funds and they wouldnt let me add a debit card stating my account is closed. Then XX/XX/XXXX I received a direct deposit of XXXX, tried to take the funds off all together which was a total of XXXX I sent numerous amount of emails and they sent me a automatic message stating that they cant give me any information. Going along I reached out about 7-8 times and have been just ignored. Moving further. On XX/XX/XXXX I then received another deposit to a supposedly closed account of XXXX on XX/XX/XXXX. I then tried to receive my funds by adding a debit card and couldnt. That is a total of XXXX that I cant retrieve I reached out to square cash. Cash app more than 20 times and they have not gotten back to me. No answer or response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: National Collection Systems, Inc.
State: CA

Complaint narrative:
Incorrect information on your report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.

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 2020-05-13 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: AES/PHEAA
State: TX

Complaint narrative:
I see several 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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:
Inaccuracies on all three Credit Bureaus on date of last payment and not reporting accurate information. Information is pulled from credit reports on XX/XX/20 from all credit bureau 's. Transunion, XXXX  and XXXX  for XXXX XXXX listed as XXXX XXXX XXXX. Loan has been payed off and XXXX  who last reported in XX/XX/XXXX still has not updated the accurate information.

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 2020-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau Collection Services, Inc.
State: TX

Complaint narrative:
I've attempted to have this item removed from my credit file because the debt collector has never contact me regarding the debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have sent 4 letters by the US postal service and the last two letters were sent certified and signed on XX/XX/XXXX and XX/XX/XXXX. I have requested for debt validation that the debt is indeed actually mine, the only response I have received is that have completed their investigation which established its validly. Nothing has been sent for my review or to investigate. This is an invalid debt that Portfolio Recovery Associates, LLC claims that I owe. I have never had a account with this company or who there so called client.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Inaccuracies on all three Credit Bureaus on date of last payment and not reporting accurate information. Information is pulled from credit reports on XX/XX/20 from all credit bureau 's. XXXX, XXXX  and Experian for XXXX XXXX listed as XXXX XXXX XXXX. Loan has been payed off and Experian who last reported in XXXX still has not updated the accurate information.

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 2020-05-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blitt and Gaines, P.C.
State: IN

Complaint narrative:
Hello, i was sued by XXXX XXXX  service back in XXXX of 2018. They sent a letter to garnish my wages. I have made several attempts to work out this debt with a better payment option than a 25 % garnishment. I spoke with the XXXX firm through their online system and also the phone. I am a fulltime XXXX student with XXXX children, my hours have been reduced due to school and now with the current situation. I am only working about 10 to 20 hours a week. The loan was for approx {$4500.00}, and they won the case for nearly {$14000.00}. I tried to get it reduced by paying a lump sum, and they refused. I also had endurance on my loan that only paid {$930.00}. I wanted to get them to update my credit to show this payment and have gotten ignored. This has been an ongoing issue with the firm, and its already been are to make any money to survive as is. I am sadly contemplating bankruptcy, so I have some kind of breathing space. They used a secure messaging site that no longer has our communications. I am unsure if there stopped using the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: PA

Complaint narrative:
This loan we originally held by another lender ( pelican auto finance ) that sold it. When it was sold they sold it for the original loan and the we place Westlake financial begin to try to collect on the full amount of the loan asfter i had had the car for several years. I contacted them when i was out of work on medical leave about deferring they payments but they did not want to help. Then i surrender the car and they would not pick it up or give me a place to take it. They refused to collect the car and told me they would just keep it on my credit. The care is not worth whats on my credit and as far as the value i have paid it but they are still negatively reporting that i owe $ XXXX on a XXXX XXXX XXXX that i am no longer in have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: DC

Complaint narrative:
This debt is not mines, I have no knowledge of this debt until it was posted on my credit report. Please remove from my credit report. Provide a signed contract from myself, proof of validation. Please I will not email you. I want all communition done between CFPB and this company done via this complaint. This is my second attempt to have this removed from my credit report. I provided enough information for you to do a thorough research. I have uploaded what I have of this debt that is reporting on my police report. Maiden name is 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 2020-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
My account was debited on XXXX in the amount of {$60.00}. It was not authorized.

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 2020-05-13 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: EQUIFAX, INC.
State: KS

Complaint narrative:
When XXXX XXXX and XXXX  XXXX XXXX reported incorrect balances it took my credit score down 85 points. When the bureau updated they gave me 2 points. I would like ALL of my lost point restored. I am trying to purchase a home and dont have much credit anyway, so my credit it very important to me. XXXX reported a late payment after they gave me an extension due to COVID and I have the letter. I want it removed and the points taken for that restored as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: ECMC GROUP, INC.
State: PA

Complaint narrative:
ECMC is a collection company that has a private student loan debt that is more than 10 years old that has never had a payment made on it and is still reporting the debt as originating in XXXX which is not possible because I last attended school in XXXX and with the debt being more than 7.5 yrs old the company refuses to stop reporting it stating that I had made a payment in XXXX which is false.

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 2020-05-13 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: KS

Complaint narrative:
When XXXX XXXX and XXXX  XXXX XXXX reported incorrect balances it took my credit score down 85 points. When the bureau updated they gave me 2 points. I would like ALL of my lost point restored. I am trying to purchase a home and dont have much credit anyway, so my credit it very important to me. XXXX reported a late payment after they gave me an extension due to COVID and I have the letter. I want it removed and the points taken for that restored as well.

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 2020-05-13 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: KS

Complaint narrative:
When XXXX XXXX and XXXX  XXXX XXXX reported incorrect balances it took my credit score down 85 points. When the bureau updated they gave me 2 points. I would like ALL of my lost point restored. I am trying to purchase a home and dont have much credit anyway, so my credit it very important to me. XXXX reported a late payment after they gave me an extension due to COVID and I have the letter. I want it removed and the points taken for that restored as well.

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 2020-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation