vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-05 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: BTH Management
State: LA

Complaint narrative:
XXXX XXXX XXXX sent my loan to Plaza Services LLC as i fell behind on my payment. I contacted Plaza Services LLC to settle the account on XX/XX/2021 in the amount of {$270.00}. This payment was made and the company informed me this account will be deleted from my credit report. This account is still reporting and I have contacted the company however they only sent me the attached letter and no update to my credit score as of now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I FILED A CFPB REPORT ABOUT 2 MONTHS AGO IN REGARDS TO AN ALLEGED DEBT THAT IS REPORTING ON MY COSUMER REPORTS. I SENT THE COMPANY A CEASE & DESIST AND ALSO REQUESTED A DEBT VALIDATION. ITS BEEN 2 MONTHS AND I HAVE NOT RECEIVED A DEBT VALIDATION THE ONLY THING THE COMPANY SENT ME WAS DECEPTIVE FORMS IN A FORM OIF STATEMENTS MADE TO MAKE ME BELIEVE AS THE ORIGINAL CREDITOR THAT I ACTUALLY OWE A DEBT. BILL STATEMENTS IS NOT A FORM OF VALIDATION UNDER TEH FDCPA LAWS. VERIFICATION AND VALIDATION ARE TWO DIFFERENT THINGS, I HAVE SEEN SEVERAL VIOLATIONS SUCH AS THE COMPANY PRINTING THEIR LOGO ON THE LETTER WHICH IS A VIOLATION UNDER THE FDCPA. IF THIS ISSUE DOESNT GET RESOLVED WITHIN 14 DAYS I WILL BE SENDING THE COMPANY AN INVOIVCE FOR ALL THE VIOLATIONS I FOUND AND I WILL ALSO BE SUING FOR DAMAGES AND THE EMOTIONAL STRESS THIS ISSUE HAS CAUSED ME, WE CAN DO THIS THE EASY WAY OR THE HARD WAY REGARDLESS THE LAW IS ON MY SIDE AS THE ORIGINAL CREDIOR ONLY I CAN VALIDATE A DEBT PURSUANT TO 15YSC 1692G AND I DONT VALIDATE THIS ALLEDGED DEBT,

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 2021-07-05 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: NRA Group, LLC
State: MA

Complaint narrative:
I was never late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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 am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows Credit Bureau to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I dont know where you got the following accounts from. I been sending dispute to Credit Bureau but they won't reply, they sent me response once by saying it has been verified. After that I mailed dispute two times, no response. Please proof of mail. 

1. The status is incorrect for the following account : account is open. Wrong balance is being report XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 


Please remove correct this with all haste. Thank you for your attention. I apologize for being so angry.

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 2021-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows Credit Bureau to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I dont know where you got the following accounts from. I been sending dispute to Credit Bureau but they won't reply, they sent me response once by saying it has been verified. After that I mailed dispute two times, no response. Please proof of mail. 

1. The status is incorrect for the following account : account is open. Wrong balance is being report XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 


Please remove correct this with all haste. Thank you for your attention. I apologize for being so angry.

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 2021-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Fraudulent, unauthorized inquiries appeared on my equifax credit report 8 different times, and equifax has been hesitant to remove nor provide any proof of authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
i sent y initial dispute XX/XX/2021, i sent an additional dispute once i received a response from the credit bureau stating the debts have all been verified. I then proceeded to sending a 609 letter XX/XX/XXXX, in which i never gotten a response back from the Equifax buearu at all. It has been well over XXXX days. ( i have receipts ) All mail was delivered and recieved because i sent them all certified mail. This is in violation of us title 15 1692g and 1692e. I also just sent them my police report for identity theft. Please esculate this manner

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: Security Credit Services, LLC
State: MA

Complaint narrative:
I was never late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was never late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My case is part of the Wells Fargo auto insurance & repossing XXXX. My vehicle was repossed illegally. I chose not to pay the extra fees & my vehicle was sold. My vehicle was repossed in XXXX of XXXX. I have been unable to get another vehicle until very recently due to XXXX XXXXump sum payout. I believe I'm entitled to more than {$270.00}. I informed Wells Fargo that. They seem to believe the amount is sufficient. I would like your help to determine if I should get more under their remediation program before cashing the cashier 's check. My name is XXXX XXXX the account I'm referring to ends with the last four digits XXXX. I can be reached at XXXX XXXX XXXX XXXX XXXX also at XXXX XXXX XXXX XXXX as well as 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 2021-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: GA

Complaint narrative:
I am XXXX XXXX military, I was XXXX overseas on military orders. I completed my XXXX and provided orders in order to terminate contract and avoid debt. An early termination fee was applied to outstanding bill ( bill that generated after I provided proof of orders for termination ). This debt is originated in XXXX, the Statute of Limitations in XXXX is 3 years for this type of debt. I received confirmation of installment cancellation through the originating creditor in XXXX of XXXX. I later received notification of debt collection on my Credit Report in XXXX of XXXX. This debt is no longer pursuable in accordance with the original creditors laws and their XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-05 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: IL

Complaint narrative:
XXXX placed an inquiry on my credit report DATE OF INQUIRYXXXX XXXX, 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 2021-07-05 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 sent out a request to open an investigation to Equifax on XX/XX/2021 but never got a response. I then sent out a failure to respond letter on XX/XX/2021 and still got no response. Sent out a final letter on XX/XX/2021 and they finally responded on XX/XX/2021 but just updated everything. To my understanding they only have 30 business days to respond to my investigation and they failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: MD

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

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 2021-07-05 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: MN

Complaint narrative:
I did a credit check using my credit monitoring service and realized there are inquiries on my credit report that I did not authorize. I would like your agency to assist in getting this removed from my credit report immediately. These accounts are reported as listed here, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 2021-07-05 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: MN

Complaint narrative:
I did a credit check using my credit monitoring service and realized there are inquiries on my credit report that I did not authorize. I would like your agency to assist in getting this removed from my credit report immediately. These accounts are reported as listed here, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 2021-07-05 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: TX

Complaint narrative:
I sent equifax a letter And an FTC report on XX/XX/XXXX. 
The inquiries were clearly stated in the ftc report. 

On XX/XX/XXXX - 4 of the items from my FTC report were deleted due to dispute. 
They left the items reported on my FTC and on my credit profile. 

On XXXX -I called Equifax about the inquiries that were left on my report but were disputed on FTC.. and they are saying that they can not tell the date of the inquiry when the date of the inquiry date is on credit report. I have asked them to delete the items by law. They deleted 4 without having dates on FTC report as mentioned on XX/XX/XXXX ; but now are making up rules that the other inquiries that were disputed need dates on the FTC report when they the dates are on the credit report. 

XXXX XXXX XXXX XXXX Were the employees I spoke to on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Experian reported Macys/XXXX DATE OF INQUIRY XX/XX/2021.

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 2021-07-05 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 am writing to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The following credit inquiries are related to none of the aforementioned permissible. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible. 

XXXX XXXX DATE OF INQUIRYXXXX XXXXXXXX XXXX XXXX DATE OF INQUIRY XX/XX/XXXXXXXX XXXX XXXX  DATE OF INQUIRY XX/XX/XXXX XXXXXXXX XXXX XXXX DATE OF INQUIRY XX/XX/XXXX XXXX DATE OF INQUIRY XX/XX/XXXXXXXX XXXX XXXX DATE OF INQUIRY XX/XX/XXXXXXXX XXXX XXXX DATE OF INQUIRY XX/XX/XXXX XXXX XXXX  DATE OF INQUIRY XXXX, XXXX XXXX XXXX DATE OF INQUIRY XX/XX/XXXX XXXX DATE OF INQUIRY XX/XX/XXXX XXXXXXXX XXXX XXXX  DATE OF INQUIRY XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  DATE OF INQUIRY XX/XX/XXXX XXXX PRE DATE OF INQUIRY XX/XX/XXXXXXXX XXXX XXXX-DATE OF INQUIRY XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: PA

Complaint narrative:
fay servicing llc payments increased from XXXX to XXXX ask company for explanation was told taxes was not paid XXXX - XXXX took loan out XXXX showed proof from tax bureau taxes where paid no response this has been going on for 4 months company investigating 1 payment XXXX being held while investigating not receiving any more was told no late fees or foreclosure would take place call twice a week for 3-4months sent emails, documents given 4 different managers months no return calls no answer to email now given act 91 notice was told owed them XXXX now act 91 fay servicing XXXX they have become a bully 's talking down to me a lots of lies under minding tactic

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: IL

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The following credit inquiries are related to none of the aforementioned permissible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: IL

Complaint narrative:
Experian reported XXXX  DATE OF INQUIRY XX/XX/2021.

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 2021-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect
State: GA

Complaint narrative:
I got a notification from my credit report that a collection account was put on. I have received nothing from this company that they have any bill of mine. Im a college student and with this pandemic it hard but I pay my bills. I would have set up a payment plan like the rest of it was my debt and was notified of such debt. This is the only negative thing ever on my credit. I worked hard to have good credit and a clean credit report and for them not to notify me of anything is unacceptable and against the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Used Regions HELOC show funds for condo, didn't buy, put money back, shows used 100 % of limit, now HELOC is PAID IN FULL, please report to credit NOW, need to help family get loan for medical

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 2021-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
On XX/XX/29 I went to the us postal service and sent a letter by mail to convergent outsourcing I made sure to certify it ( receipt # XXXX copy of image attach along with letter sent ) this letter arrived XXXX not only was a notice of dispute never entered but I never received a response either!!! There are two issues here no notice of dispute and no validation no communication at all and were well past the 30 days Im requesting deletion of this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
In XXXX my husband and my daughter took his nieces information and used it to purchase a car. His niece reached out to me today and it is time the truth come out. She stated she has been disputing the charges. She is not liable for this account. Back in XXXX we all lived in a family house and I dont know what gave him the idea to take her information fraudulently and commit identity theft. He got my daughter involved. The dealer didnt pay close attention to the copy of drivers license and let them use it. This is a case of identity theft. My husband has sense passed away and I believe guilt from doing all of this has a lot to do with it. He diverted all the mail so that no mail would go to the house. He opened bank cards in their name, he forged letters and had money taken from their work checks. In XXXX my daughter wrote a letter to Credit Acceptance pretending as she always have to be the party at hand. She did not write a letter to Credit Acceptance. After my husband passed away my daughter surrendered the vehicle. The people this is affecting has nothing to do with this. My husband committed identity theft and opened this account fraudulently, he is no longer here to pay for his actions. I can no longer live with this on my conscience.

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