vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: NY

Complaint narrative:
In XXXX, I lived in an XXXX XXXX ( WI ) and was traveling in XXXX  I was issued a {$100.00} " XXXX XXXX XXXX  '' non-criminal traffic ticket ( complaint number XXXX XXXX in XX/XX/XXXX in XXXX. In XX/XX/XXXX was arrested, handcuffed in XXXX for failure to pay ticket. 

In XXXX of XXXX, I appeared in court XXXX case number XXXX XXXX to settle all debts and pay all fines. I wrote checks to the court and went on with my life. I never heard from that court or was notified of any additional fines. 

XXXX of XXXX, I moved to XXXX and began forwarding all my mail. I have not heard anything, I pay all my fines and bills. Today, Im the XXXX  of company, married and my credit score is XXXX on XX/XX/XXXX I received a notice from Harris & Harris of Chicago a debt collection agency that works with Circuit Court in XXXX XXXX Il of an outstanding debt of {$130.00}. 

The issue here is, circuit courts around the country have had a pattern of issuing fines, fees, warrants and mandatory court appearances with the goal of producing revenue not protecting society or maintaining order. The ethical implications for such practices should be examined. This instance is a prime example of how these court systems behave. Please investigate why a Circuit Court in XXXX, XXXX is sending a {$100.00} to collections after 16 years long past any Statute of Limitations has expired.Please hold someone accountable for the terrible bookkeeping but more importantly sitting on a debt and not notifying the recipient when they made every attempt to stay in contact, pay all fines and pay all debts to society. 
This is only {$100.00} and I could easily pay it and supposedly be done but the precedence of such an institutions in mass behaving this way toward all of society should be examined and corrected. I worry for the people with less means under the thumb of such an unethical and error prone legal system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: IL

Complaint narrative:
I filed disputes in regards to incorrect items on my credit report and sent a letter to verify items. It has been well over 30 days and I haven't received any response regarding the investigation results

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 2021-04-28 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: TX

Complaint narrative:
I have been disputing a fraudulent charge on my account for a year. I even filed it with the XXXX. I have sent in documents and and email confirmation to Experian. They are still reporting it as accurate on my credit report. I have sent them an email from the company XXXX XXXX who after their investigation concluded that the account does not belong to me and they have filed an AUD with the credit bureaus to remove all threads of the account from my credit report. This account is not accurate! It is not a charge off! It was ID theft! Please delete it from my credit report!!!!

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 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This an error please delete! This account was never verified XXXX XXXX  # XXXX. I never received any response back from Equifax I disputed this account over a year ago under 609,623, 611 FRCA. I am a business owner and I have had companies trying to invoice me accounts payable that I have never even entered in to a contract with them, with would make their claim fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: United Collection Bureau, Inc.
State: MN

Complaint narrative:
United Collection Bureau XXXX XXXX XXXX, XXXX, OH XXXX Calls me regarding a family members debt. I continue to receive calls. I had to call them back and told them to stop. I told them their practice is illegal in XXXX In MN it's illegal to do what they are doing. Calling others and speaking about debt collection with everyone but the actual person. They asked me if I could get in contact with this person. This is not acceptable and they need to be fined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
Hi CCS COLLECTIONS / XXXX AN XXXX COMPANY ; Im confused and stressed and 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 : XXXX. 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? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. 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 America Bar Association and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: Convergent Resources, Inc.
State: CA

Complaint narrative:
XXXX phone someone stole my information this XXXX XXXX  keep XXXX XXXX  my account amount {$700.00}. One dealership run my credit many times even though i told them not to do it. I did not approved it for them to run my information that much. I need this to be clear for all credit places ASAP. Even child support is done too clear everything. XXXX im not going to be paying for someone XXXX  XXXX i never did at all. Please clear everything from my record because im becoming a XXXX  XXXX my record needs to be clean.

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 2021-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies

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 2021-04-28 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX this is the 4th time I have request legal and proper documentation from this company concerning this fraudulent unverified account that I never even heard back any type of information to even do a simple investigation.

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 2021-04-28 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: FL

Complaint narrative:
Hi, I am a bit concerned about account I have in my credit report. The point is that this account is not mine and I do not recognize this transactions and only two bureaus reporting this error. I am kindly asking you to remove it once and forever. Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: Colony Brands, Inc.
State: PA

Complaint narrative:
Montgomery ward will not take my payment I have made numerous attempts to pay and they are destroying my credit refusing to admit that is was due to system failure on making the payment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I call Transunion because they have a report of outstanding collection from XXXX XXXX. I dont know this company or who they are. I did call them and they wanted me to give all my sensitive information before they can see what is the account number so I told them no, they can not have my private information.After that I call Transunion so they ask me all the questions and I verified my information. I told them that this company has a derogatory balance against me. I told him that I need to know who they are and to all the information they had. The answer I got is they dont have any of that Information, no account and no address. They only have a report saying that I owed money, they are still waiting for all the information to verify that I was a customer with them. 

So how can Transunion destroy my credit with no information on the account. That energy company is no way near my county. Then the guy offer me to do a police report that my identity was stolen. It was never stolen and Transunion is just helping identity theft steal. 

This Transunion credit report agency is not confirming identity with the collection agency and they are writing bad reports on innocent people. 

I want you to investigate my case and the way Transunion operates. 

Thanks

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 2021-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NRA Group, LLC
State: SC

Complaint narrative:
Today, XXXX XX/XX/2021, I was notified by a family member who has my previous phone line via text messaging communication. The National Recovery Agency ( XXXX XXXX XXXX XXXX, PA XXXX ) is unethically sharing Personal Identifiable Information to a number I no longer possess. This act is immoral, unethical, and a threat to my security and identity.

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 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies

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 2021-04-28 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: NC

Complaint narrative:
I am filing a complaint with equifax because I advised them that these inquiries on my credit report were due to fraud and they have not removed them from my report. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX. These Inquiries need to be removed immediately due to fraud. 

I am filing a complaint with XXXX because I advised them that these inquiries on my credit report were due to fraud and they have not removed them. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
Hello, I have reached out to Receivable Performance several times to remove this collection account. Neither time was this company able to validate it but the account remains on my credit report. When I asked for a signed contract that is required, they were unable to provide it. They have only sent me a bill. This is not what I asked for and does not validate anything. Please have this issue resolved. If a signed contract can not be provided the debt must be removed immediatley.

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 2021-04-28 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: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
Last year I called the debt collector and we settled on {$150.00}, which all payments was made. I look into my report and noticed they reopened it again for {$500.00}. This is an act of fraud, they determine to destroy my credit even when payments was made, I will be attaching a screenshot report I had 2020 show the amount of {$150.00}, also will be showing another screenshot of {$500.00} showing opened. 
Don't understand how we can reach a settlement and months after another money is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Macys american express has done this before and it is still on my credit report after telling them several times now they are charging me late charges and reporting me late i need them to correct any late credit reporting as i never was late one was from a dispute and i was waiting until they invesigated so they said they would correct both. of them and neither of them have been fixed even after several phone calls

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 2021-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: AL

Complaint narrative:
XXXX XXXX XXXX was given the CDC notice in XX/XX/2020 and they are still trying to collect from me even though I am not working and have CDC protection.

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 2021-04-28 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: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Chase Auto is reporting late notations for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These lates are inaccurate as my payments have been made on time every month. I made my payments online and then got a notice of confirmation. I then received a notice that payment did not go through but my bank statement said that it did. I decided it may have been a system error and continued to make my payments this way but I recently checked my credit and noticed these lates on my credit file. I made these payments on time and my bank account shows that this account was paid on time. These late are not my fault and must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28 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 belongs to someone else
Company: Checkr, Inc
State: AZ

Complaint narrative:
False information about my background is keeping me from working and I need this repaired immediately the company is not telling me why I'm not getting hired to drive and I want what's bad in my background removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: MoneyLion Inc.
State: NY

Complaint narrative:
Received a notice in the mail from XXXXMoney Lion. The notice contains a card that has a chip and is not a promotional offer. The notice has my last name spelled incorrectly. I have never heard of this company and did not request this card. I reported the mailing to the FTC and contacted the NYS attorney general who suggested I submit this complaint. I also ran a credit report to check for any issues. 

I did go on this XXXX 's website and it states in order to obtain a card of this sort, a deposit must be made into an account. There were mixed messages on whether or not to reach out to the company directly, as I would have to provide my actual personal information to them to 'close ' the fraudulent account. I would prefer not to provide any information as I have no idea what this is or why it was sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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:
i sent a dispute letter to experian on XX/XX/2021 about some unauthorized inquiries that is showing up on my credit report and they has not sent verification or deleted them from. they are affecting me from obtaining credit and i am stressing out and being XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief