vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-13 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: TN

Complaint narrative:
Account Name : XXXX XXXX Account Number : XXXX Balance : {$470.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$530.00} Account Name : XXXX Account Number : XXXX Balance : {$460.00} This is a formal complaint against Equifax, XXXX, and XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 

There aretwo accounts, in particular which they just refuse to investigate XXXX XXXX andXXXX XXXX, yet they turn around and tell me that these accounts were verified by the Creditor. However, I've contacted some of the creditors and they have no record of a dispute verification request from this or any other agency regarding an account for me. 

I am trying to get pre-approved for credit, and it has been a challenge given that it has already been months since I have disputed this with the bureaus and I'm on my third round of letters yet they are not taking proper action to get these accounts validated and removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: Kikoff Inc.
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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX XXXX BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a secured credit card with the Bank of America few years ago, deposited {$500.00} dollars. I was unhappy with the bank 's policy, terms and conditions, even though I had excellent payment activity. I asked to close my credit card account and mail me my full refund in the amount of {$500.00} dollars. The Bank of America failed to comply with my request, refused to close my account and illegaly held my security deposit, never issued a full refund. As the time went by, my account was not closed by the bank, moreover, theyr added up negative fees and falsely reported my account as negative/charge off since 2017. My credit history was seriously impacted by this negative and false reporting. My full refund is still past overdue and owed.

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 2021-09-13 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: Collection Bureau of America Ltd.
State: MO

Complaint narrative:
I do not know these accounts. These are hard to understand why they are appearing in my credit file without any identification and has a lot of missing information. I demand an investigation as to who is using my name and my information and using it to get services that will turn out in collections in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XX/XX/XXXX, XXXX & XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected.

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 2021-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I keep getting free credit repair offers and none of then are free threw XXXX  or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: AFNI INC.
State: MO

Complaint narrative:
This is a clear inaccuracy and a clear violation against my rights, Please take this off from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
Please let me know what is this account, how it ends up on my credit report and where's the papers that I signed? If you can not provide you have to delete this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I REPEAT THAT I AM NOT A THIRD PARTY, I AM WHO I AM XXXX XXXX. PLEASE SEND TO LITIGATION DEPARTMENT IMMEDIATELY 911, NO E OSCAR : I have no knowledge of the fraudulent accounts XXXX XXXX XXXX XXXX XXXX. I am sending you this in regards to those accounts. My name is XXXX XXXX I am not a third party company, I am a human writing this. Notice to you that I am a consumer in fact natural person, executor, administrator, holder in due course for any and all derivates thereof for the surname given XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters processing, and I hereby claim that I will d/b/a consumer, XXXX and autograph as the agent, attorney in fact, so be it. Whereas I of age of majority give this herein notice to all, I make solemn oath to the one and only most high of creation and I depose the following facts so be it, now present. Fact, 15 us code 1681 says subject to subsection ( c ), any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. I have been violated and abused under this notion. Fact, Affiant is aware and has proof in attachment labeled Exhibits that Equifax is in violation of Rights of privacy. Not giving consent is fraud, I did not give any consent as to the accounts listed XXXX XXXX XXXX XXXX XXXX are fraudulent. Defamation to my character and trying to ruin my character which damages me and my reputation and that I am irresponsible. My character matters to me and it is important you are the reason for this distress. Depression and anxiety and mental health. It is damage and punitive damages which is an amount exceeding {$10000.00} you must send to me by 10 calendar days of receiving this message.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: TN

Complaint narrative:
Account Name : XXXX XXXX Account Number : XXXX Balance : {$470.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$530.00} Account Name : XXXX Account Number : XXXX Balance : {$460.00} This is a formal complaint against XXXX, XXXX, and TransUnion. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 

There aretwo accounts, in particular which they just refuse to investigate XXXX XXXX andXXXXXXXX XXXX, yet they turn around and tell me that these accounts were verified by the Creditor. However, I've contacted some of the creditors and they have no record of a dispute verification request from this or any other agency regarding an account for me. 

I am trying to get pre-approved for credit, and it has been a challenge given that it has already been months since I have disputed this with the bureaus and I'm on my third round of letters yet they are not taking proper action to get these accounts validated and removed from my 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 explanation
Consumer complaint received 2021-09-13 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: TN

Complaint narrative:
Account Name : XXXX XXXX Account Number : XXXX Balance : {$470.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$530.00} Account Name : XXXX Account Number : XXXX Balance : {$460.00} This is a formal complaint against XXXX, Experian, and XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 

There aretwo accounts, in particular which they just refuse to investigate XXXXXXXX XXXX andXXXX XXXX, yet they turn around and tell me that these accounts were verified by the Creditor. However, I've contacted some of the creditors and they have no record of a dispute verification request from this or any other agency regarding an account for me. 

I am trying to get pre-approved for credit, and it has been a challenge given that it has already been months since I have disputed this with the bureaus and I'm on my third round of letters yet they are not taking proper action to get these accounts validated and removed from my 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 2021-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: CT

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: Pacific Credit Exchange Corporation
State: CA

Complaint narrative:
I do not know these accounts. These are hard to understand why they are appearing in my credit file without any identification and has a lot of missing information. I demand an investigation as to who is using my name and my information and using it to get services that will turn out in collections in the future.

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 2021-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: LA

Complaint narrative:
This company feels they do not have to follow the law. For months now I have tried to reach them via phone and only gotten voicemails, luckily I left my email Even though they are well aware this is not my account, they refused to remove the misinformation with out me paying for it which is extortion. 
Attached I have included some of the correspondence from their secretary that refused to forward my information to a supervisor. 
By federal law they have to send me a letter via us mail then allow me 30 days to respond after that they can post the account on my credit bureau but they chose to ignore the federal law and just post this information on my report with out verifying or validating the debt. I have disputed this misinformation with my three credit agencies They immediately respond with in days that the information is accurate, has been validated and I had made a payment directly to them, to make their lie more solid.

This debt company gives all debt collectors buyers, and any other debt business a bad name they should be fined and or closed they act as if this is a game, they have cost me thousands of dollars, job oppurties, as well unnecessary stress. I filed a complaint early with the XXXX XXXX XXXX and this company has more than 113 complaints this year alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: CA

Complaint narrative:
I strugged with financial extreme hardship impacted by the COVID-19 disaster. I had contacted the creditor, requested payment options. Many creditors announced proactive measures to help borrowers impacted by COVID-19. The CARES Act has forbearance and credit reporting requirements that applied to my situation. The creditor was required to provide forbearance of other flexibilities for repayment. The creditor was required to act under the CARES Act and not to report late payments to CRA 's and remove all late fees due to this pandemic. The creditor was required to comply with the CARES Act and report my account as current. However this creditor violated, breached the CARES Act requirements and escalated negative reporting, adversely affecting my credit rating. As a result, I suffered significant harm and was unable to apply for any type of credit card, auto or personal loan. The creditor was contacted multiple times by letters, with which I asked to reverse their negative reporting and update with good will credit reportng. I was discriminated and impacted by the creditor 's unawful adverse action.

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 2021-09-13 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 — Investigation took more than 30 days
Company: World Acceptance Corporation
State: KY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: A-L FINANCIAL CORP
State: CA

Complaint narrative:
Listen to me, I can't believe that you are still reporting this as charge off / collection. This is unfair! I need a 100 % accurate and correct report. Please be fair enough. I demand your agency to remove this inaccurate report from my credit as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: United Revenue Corporation
State: TX

Complaint narrative:
I do not know these accounts. These are hard to understand why they are appearing in my credit file without any identification and has a lot of missing information. I demand an investigation as to who is using my name and my information and using it to get services that will turn out in collections in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: IL

Complaint narrative:
I tried to resolve this with Experian but the company has failed to investigate this account that is still inaccurate, incomplete and unverifiable. The Department of Veterans Affairs account On XX/XX/XXXX I sent a letter to Experian, certified mail for a dispute to fix this account because it was reporting differently than the other reporting agencies. Experian received it XX/XX/XXXX XXXX. About 30 days later, Experian sent me an alert through Experian.com stating the account as updated. 

On XX/XX/XXXX I sent the Second Letter stating that I wanted to know what was there method of verification and then proceeded to point out the inaccuracies between the three reporting agencies, on XX/XX/XXXX Experian Received this Letter at XXXX. 

This time Experian Just marks my report up with a bunch of false Information First mistake they made was putting up a random balance of {$2700.00}, Then they proceeded to mark my account all the way up to XX/XX/XXXX as a charge off, when the original account was closed XX/XX/XXXX with a balance of {$1900.00} XXXX instantly went into a state of shock because I don't know how they came to that erroneous conclusion. 

I sent a third letter because by this time, I am frustrated and my anxiety is bothering me. I still get no answer from Experian as to how they came up with the balance. 

I sent in a letter to the Va where they sent me a letter stating that I should correct it with the Credit reporting agencies with the closing Date of XX/XX/XXXX with balance of {$1900.00}

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 2021-09-13 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 — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any 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 2021-09-13 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 — Investigation took more than 30 days
Company: Commonwealth Health Corporation
State: KY

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

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Company isnt complying with time policy. Took over 30 days. No response. if Authorization is needed call 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
Consumer complaint received 2021-09-13 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Please be fair enough. I demand your agency to remove this inaccurate report from my credit as soon as possible.

Company response to consumer: Closed with explanation