vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-15 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: MN

Complaint narrative:
I noticed some collection accounts that were not accurate on my report with Equifax. The 3 collections are from a company called XXXX XXXX. The collection balances are as follows, {$450.00}, {$380.00}, & {$99.00}. I submitted a dispute with them online on XX/XX/2020. I have attempted to follow up I successfully. Online I was given an expected completion date of XX/XX/2020. Today is XX/XX/XXXX and the 3 items in question are still on the report and my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
XXXXx had an address for me in California. 
XXXX had my birth year off by 5 years. 
Experian has an alias of XXXX XXXX. 
Someone had an address for me in Illinois and Kansas. 

Incorrect payment history for XXXX across all credit bureaus. XXXX has stated 4 times to CFPB that everything is accurate. 
XXXX mortgage account number XXXX Are you mixing my account up with another XXXX? 
Is XXXX mixing my account with someone else and thats why they claim reporting is accurate? 

There are many inquiries that I have no idea where they came from. I have spent the last year contacting every creditor that has an inquiry and none of them will give me any information on why they authorized access to my credit report. The credit bureaus and creditors play tennis back and forth blaming each other.

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 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I wrote to the bureau XX/XX/2020 about some inaccurate information I found on my report. The bureaus have yet to complete an investigation on these inaccuracies that are detrimental to my credit report and are hindering me from receiving funding. I understand my rights under FCRA that after 30 days of requesting this information be investigated that if they can not verify the inaccuracies then it must be removed from my report. It has now been over 60 days since my initial request. I attached the letter as well as my license and proof of residence via bank statement

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 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
Equifax had an address for me in California. 
XXXX had my birth year off by 5 years. 
XXXX  has an alias of XXXX XXXX. 
Someone had an address for me in XXXX  and XXXX. 

Incorrect payment history for XXXX across all credit bureaus. XXXX has stated 4 times to CFPB that everything is accurate. 
XXXX mortgage account number XXXX Are you mixing my account up with another XXXX? 
Is XXXX mixing my account with someone else and thats why they claim reporting is accurate? 

There are many inquiries that I have no idea where they came from. I have spent the last year contacting every creditor that has an inquiry and none of them will give me any information on why they authorized access to my credit report. The credit bureaus and creditors play tennis back and forth blaming each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: PA

Complaint narrative:
I have 2 prior complaints that were closed by XXXX   and Equifax, # XXXX and XXXX without resolving the issue. XXXX is claiming that they verified XXXX XXXX XXXX XXXX as part of a Chapter XXXX Bankruptcy. XXXX has verified that the same account as being paid off used to be charged off. I have provided credit reports with inaccurate information anXXXX XXXX and Equifax have failed to delete this item. Also, they failed to remove it as so-called verified Bankruptcy with no delinquent accounts attaches to it. What did I file bankruptcy for if there are no accounts to be discharged? I'm providing proof that XXXX has verified the XXXX XXXX XXXX XXXX account as paid/charge off not a part of Chapter  XXXX Bankruptcy. I am also providing proof that XXXX  has deleted the inaccurate/incomplete Bankruptcy from my credit report to reflect accurate information. XXXX and Equifax have a duty to report accurate, complete, and verified information under the FCRA. Please refer to the complaints listed above for previous proof of my complaint. XXXX and Equifax keep sending papers stated I should write a 100-word statement. I have done that several times and keep getting these automated responses. This is unacceptable at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: IL

Complaint narrative:
I checked my credit report AGAIN and it appears that Equifax has reported an item, namely a Bankruptcy. I have reached out to the Circuit Court of XXXX  to find out if they reported a Bankruptcy, they did not. I checked XXXX  XXXX XXXX and it does not exist on either bureau. On the credit report it shows that XXXX XXXX was the furnisher of the item. My XXXX XXXX report has been SUPPRESSED since XX/XX/XXXX and is still in force. I've already filed a report with the FTC regarding erroneous, unverified, and inaccurate reporting. I do not understand what is going on with the bureaus, but they are either not verifying the method in which they've obtained any of these items. They are also CLOSING OUT DISPUTES WITHOUT HAVING PERFORMING THEIR DUTIES TO CONSUMERS. They are only UPDATING ACCOUNTS without answering disputes or sending correspondence. It is COVID 19, people are suffering, laid off jobs and are short on food and funds. The bureaus have been granted leniency with taking long periods of time to respond to consumers. They are not sending out updated credit reports for months at a time. They are misreporting items and placing consumers in horrible positions. I've filed an FTC Report, my next step will be The Attorney General of the State of Illinois.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX is reporting a collection account as closed. This CRA continues to validate and allow this company to report this on my report. It is even showing past due. This account is inactive and closed and should be removed from my report. The CRAs and XXXX are violating the FCRA. Ive submitted an account summary with my disputes and each CRA is apparently using an e-Oscar system which is not correct. 

XXXX cant even validate the account. The attached letter shows they cant validate the account. I mailed the letter below on XX/XX/XXXX and emailed it on XX/XX/XXXX and I received the attached letter a few days later. 

To Whom It XXXX Concern : I am XXXX XXXX and XXXX writing regarding the above referenced accounts and transactions. 

This vehicle was repossessed by XXXX XXXX in the XXXX of Georgia on or about, XX/XX/XXXX, and resold on or about XX/XX/XXXX. The first date of delinquency was XX/XX/XXXX. 

Under the laws of the XXXX XXXX Georgia XXXX rights of buyer, seller, etc., following repossession of motor vehicle sold under a retail installment contract are covered under Georgia XXXX, specifically Code Section XXXX of the Official Code of Georgia. UCC XXXX. XXXX of motor vehicle repossessed after default ; right to recover deficiency and XXXX XXXX and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. This was originally mailed on XX/XX/XXXX and I havent heard back from you. 

In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available XXXX and XXXX statutes and XXXX - XXXX remedies.

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 2021-01-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX is reporting a collection account as closed. This CRA continues to validate and allow this company to report this on my report. It is even showing past due. This account is inactive and closed and should be removed from my report. The CRAs and XXXX  are violating the FCRA. Ive submitted an account summary with my disputes and each CRA  is apparently using an e-Oscar system which is not correct. 

XXXX cant even validate the account. The attached letter shows they cant validate the account. I mailed the letter below on XX/XX/XXXX and emailed it on XX/XX/XXXX and I received the attached letter a few days later. 

To Whom It May Concern : I am XXXX XXXX and Im writing regarding the above referenced accounts and transactions. 

This vehicle was repossessed by XX/XX/XXXX GeorgiaXX/XX/XXXXon or about, XX/XX/XXXX, and resold on or about XX/XX/XXXX. The first date of delinquency was XX/XX/XXXX. 

Under the laws of the State of Georgia Respective rights of buyer, seller, etc., following repossession of motor vehicle sold under a retail installment contract are covered under Georgia Law, specifically Code Section 10-1-36 of the Official Code of Georgia. UCC 10-1-36. Disposition of motor vehicle repossessed after default ; right to recover deficiency and XXXX XXXX and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. This was originally mailed on XX/XX/XXXX and I havent heard back from you. 

In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC - 9 remedies.

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 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I finally started to look throughly into my credit report and I noted unauthrized and fraudulent accounts posted on my report. I can't even get a credit card of my own because of this. These accounts opened due to identity theft is hindering and I need this taken care of ASAP, this isnt fair. Attached are my identification documents, verification of address, identity theft report, credit report and a list of the fraudulent accounts that were posted.

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 2021-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Levy & Associates, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX I received notice from Levy Law Firm Co. , LPA ( debt collector for XXXX XXXX ) that I owe a balance of {$7800.00} from XXXX XXXX which significantly affected my credit file including my credit score and credit report as a charge off. Due to this fraudulent, inaccurate, and unverified debt, my credit score went from XXXX to now XXXX. I requested debt validation on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from Levy Law Firm Co. , LPA but was never provided the proof that I owe the debt ; yet they continued to report unverified information to all three ( 3 ) credit bureaus. I recently received a letter from Levy Law Firm Co. , LPA on XX/XX/XXXX with a Warrant in Debt stating that they are taking me to General District Court if I do not pay the balance five  days prior to the courts return date. This is a clear violation of FDCPA ( 809 b ) as they have never provided me with debt validation that was requested 30 days of the collector 's written notice. See Exhibit A for the three ( 3 ) letters sent out to Levy Law Firm Co. , LPA along with their recent letter sent to me on XX/XX/XXXX. 

It is now XX/XX/XXXX, and as of today according to my most recent XXXX credit report, this debt balance of {$7800.00} still appears as a charge-off even without proper validation and recent threats to take me to civil court. 

You will find attached my Notice of Rescission authenticated and sealed by the Secretary of the Commonwealth along with my Hold Harmless agreement also authenticated and sealed by the Secretary of the Commonwealth.- Exhibit B Levy Law Firm Co. , LPA has failed to provide me a copy of ANY original documentation signed by me and is refusing to have this removed from my credit report. This account currently remains as a charge off on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: TX

Complaint narrative:
I have been back and forth with this company for some time now. I haven't looked at my credit report in years which I admit is my fault but when I do look at it I am showing 2 credit cards from the same company that I never even heard of until I seen it on my report and researched who they were. I have repeatedly asked them to remove it and if they won't remove it to send me proof. There are 3 of us with the same name and there are people out there that is just not right so I want to see factual information in which they won't provide as well as they won't remove off my credit. Then transunion, I dont even think they are sending it to them anymore because there is not letter with the disputes that are coming back. This is beyond frustrating and nobody should have to deal with things like this.

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 2021-01-15 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: NY

Complaint narrative:
I finally started to look throughly into my credit report and I noted unauthrized and fraudulent accounts posted on my report. I can't even get a credit card of my own because of this. These accounts opened due to identity theft is hindering and I need this taken care of ASAP, this isnt fair. Attached are my identification documents, verification of address, identity theft report, credit report and a list of the fraudulent accounts that were posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was charged NSF fees of {$72.00} on a negative bal of {$5.00}. when I spoke to 2 associates on XXXX I was told they Couldnt do anything even though I never was notified of the bal via phone email or standard mail. 
Apparently they dont think it's predatory to charge {$72.00} on XXXX cents. - {$5.00} in my calculation I had a positive bal because of a refund {$8.00}. From a murchant from the past. I was never offered to have the over draft protection canceled. or that I would have anyone look into it further for peace of mind.

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 2021-01-15 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:
Every day I receive email from Experian, addressed to a person by the name of XXXX who I believe has stolen my identity to open accounts that I've already disputed with Experian. It is apparent that Experian allowed a person by the name of XXXX to open an account with my email account to even monitor. I have 250 emails addressed to XXXX in my email. There is an account number also associated with this Experian account. I complained to Experian via phone and mail. Experian comes back with accounts verified ignoring my complaints.

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 2021-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I was " signed '' up for care credit by a XXXX. I was told it was a credit card with no interest that I could use to help pay for his services. I was not told that if I stopped using his services I would have to continue paying on the credit card even though I was not using it. I used XXXX worth of medical expenses at the XXXX. I had health issues that prevented me from continuing my care with the XXXX. I am still having to pay XXXX for care I never received and I will not use because I have insurance threw my state medicaid. I was not explained any of this by the doctor or his staff or by care credit. This is unethical and a scam.

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 2021-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
I don't recall that I had a record with these authorities/loan bosses. I've requested on various occasions to send verification from the proprietorship however they haven't agreed to my solicitation yet.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
It was proven to XXXX XXXX XXXX XXXX ( XXXX ) that the debt they are trying to collect belonged to my deceased grandmothers home at XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX - XXXX XXXX XXXX They constantly called me even after I asked them not to because I had muy own account with them in good standing but they didn't stop. My grandmother passed away and because I was simply authorized on her account because she had XXXX, they threatened me that if I wouldn't pay they would put this on my credit. I told them that was illegal and now my credit had dropped over 40 points because of this. They hired a collections agency who was given all of the information they needed to not do what they did. I am filing a complaint both against XXXX collection department  and IC Systems because BOTH are responsible and engaged in illegal activity. When collection agencies or departments receive proof they are not suppose to just ignore it and cause hardship and suffering to people. The CFPB should also be using these complaints to investigate, especially because XXXX XXXX XXXX is operating a collections department and violating Fair Debt Policies.. I couldn't find their name as a company that we could file a complaint against.

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