vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on SPRING OAKS CAPITAL LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01 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: FL

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX Inquiry : XXXX XXXX, XXXX ; 2. XXXX Inquiry : XXXX XXXX, XXXX ; 3. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; 4. XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; 5. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; 6. XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX ; 7. XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; 8. XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; 9. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; 10. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on PORTFOLIO RC ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. Below is the list of the erroneous account reporting on my Credit Report : 1. PORTFOLIO RC XXXX Balance {$560.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01 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: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
ACCOUNT FOR TOYOTA MOTOR CREDIT CORP.. ( ATTACHED ) XXXX WAS OPENED IN XX/XX/XXXX AND CLOSED ON XX/XX/XXXX ITS BEEN 7 YEARS ALREADY AND THIS ACCOUNT ITS HURTING MY FICO SCORE, NOT LETTING ME BUILD MY CREDIT AND AT THE SAME TIME VOIDING ME THE PRIVILIGE TO BUY A HOME..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: EQUIFAX, INC.
State: NV

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX Inquiry Date XX/XX/XXXX ; 2. XXXX Inquiry Date XX/XX/XXXX ; 3. XXXX Inquiry Date XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
In 2019 I was approved for a used car loan from PFS Auto I put {$6500.00} on a vehicle that with 24 % interest over 2 years cost me {$20000.00} when pandemic happened my wife lost her job we ended up having to move and with loss of income plus cost of relocation and fixed income we fell behind after the clutch went out and I replaced it myself I had made almost a full year of payment towards the loan at the date of XXXX. I was given no warning that the car was going to be repossessed they just showed up one day after running my credit report without authorization to see my new address I was told by the XXXX man that I was able to call and make up the late amount plus fees before the vehicle was sold that I could get the car back I informed him that I was getting my paycheck in 2 weeks and would be there on the XXXX and he said he would hold the vehicle there until then. 
After the tow truck leaves my house I immediately call PFS and was told that they were not going to let me make up the late payment amount and unless I could pay off the loan in full plus late fees and repo fees that the car would be sold at auction. This was absolutely heart breaking to me as this was my dream car that I put numerous upgrades towards and saved years for, {$10000.00} in payments and and nothing to show for it. Now I have a new account open on my credit report for {$610.00} the car was sold at auction but I have no idea what for as I never received anything after the repo happened just the account on my credit... 
I feel like the company knew the car would bring more at auction than I actually owed to them so instead of doing what was right and letting me catch up on the loan they kept my payments made then sold it for {$10000.00} or more at auction and made the extra profit. 
This is morally outrageous and if not illegal it should be. I am asking for PFS AUTO to do what they know is the right thing to do and return my vehicle to me since this is probably not possible then I ask that all my payments made on the vehicle plus the {$3000.00} in aftermarket parts I installed on the vehicle. Finally I want the collection account to be removed from my credit report as of now I am unable to even get approved for another loan with the repossession showing. 
If this is not resolved I will be filling a suit in small claims court and will seek mentioned amount plus attorney and court costs and anything else my attorney believes is owed to me.

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 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: GA

Complaint narrative:
My background check was inaccurate. There was a MISDEMEANOR charge from XXXX Oklahoma that clearly states it is in Oklahoma that was put under the XXXX County, GA section. This charge was used as a " discrepancy '' even though first if all, I was not asked in the background questionnaire to list my misdemeanor charges, only felonies, and second I listed that I have no charges in Georgia because I do NOT! This charge clearly states it is in Oklahoma! All of the other information and charges were marked as " eligible '' except for THIS charge and as a result, I was disqualified for employment unfairly and was discriminated against for a criminal charge that is also clearly over 10 years old! This charge is from 2008! I authorized a background check with this SAME third party, First Advantage, with the SAME information about my criminal past that has NOT changed and has been clean for over a decade for the XXXX XXXX and PASSED directly after this check was run. All charges were placed in the correct section for this check, though, and I was not discriminated against for ANY of my charges. Yet the job with XXXX paid less and was not the position I wanted. This is unacceptable and wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Strategic Alliances, Inc.
State: SC

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on FIRST FINANCIAL ASSET XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: CITIBANK, N.A.
State: SC

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my Credit Report. Lets correct this immediately. The Company, CITIMORTGAGE XXXX, are required to verify for themselves, but they failed to neither verify nor update me about these 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 2021-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have been banking with chase bank for 10 years. I have to overdraft my account every month to make ends meet. I am on social security XXXX it cost me an extra XXXX per month to overdraft. I was just wondering if there is a way to recover some of my overdraft charges. I attached a picture of my 2020 statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-01 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: CA

Complaint narrative:
I am the natural person and consumer who is reporting a credit report error pursuant of 15 U.S.C code 1681 which states that inaccurate credit reports directly impair the efficiency of the baking system and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Transunion failed to report an update to a direct dispute. On XX/XX/2021, XXXX XXXX XXXX submitted a dispute in regards to an account that was placed in collections. Because I was denied documentation evidence I was unable to submit any documentation evidence for this dispute. However, this dispute was submitted almost 5 months and I have yet to receive a determination or documentation in regards to this account pursuant of 12 CFR 1022.43 ( a ) ( b ) ( c ) ( d ) ( d ) ( f ). In addition this is " Past Due '' by default which is being inaccurately reported. I never had a contract with XXXX XXXX XXXX therefore monthly activity should not be reported on my credit report. The debt collection agency also reported inaccurate information by reporting themselves to be the Original Creditor with a different balance that is not being reported now. I never gave consent for this information to be reported which is a violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates, In addition pursuant to 15 U.S.C. 1681a ( 2 ) ( ii ) the consumer report should exclude this information I give Transunion consent to move forward with this complaint

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 2021-11-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: SC

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquired on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CREDIT ACCEPTANCE CORPORATION
State: NV

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by XXXX. Despite sending them the last letter, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the account that is still reporting on my account : 1. Credit Acceptance Corp XXXX Balance {$5400.00}

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 explanation
Consumer complaint received 2021-11-01 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: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance : {$0.00} Date opened : XX/XX/2015 ; XXXX XXXX Balance {$0.00} Date opened : XX/XX/2015 ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian refuses to remove an incorrect bankruptcy from my credit report. XXXX and XXXX have removed the incorrect bankruptcy, but Experian won't remove the incorrect bankruptcy.

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 2021-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified account, ENHANCED RECOVERY CO L ( XXXX  ) XXXX, is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : PORTFOLIO RC ( 08 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date opened : XX/XX/2021 Balance : {$1100.00} ; PORTFOLIO RC ( 08 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date opened : XX/XX/2021 Balance : {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the MIDLAND CRED ( Original Creditor : 01 XXXX XXXX ) still remains on my credit report in violation of Federal Law. The Credit Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Please confirm the information shown in this collection account. The unverified account, FINANCIAL CREDIT NETWO ( XXXX XXXX XXXX  ) XXXX, is still reporting on my credit report in violation of Federal Law. This account was already PAID. I am no longer indebted to this company or its practices. Send any and all documentation that validates your investigation. If unable to, remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01 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: EQUIFAX, INC.
State: NV

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : 1. XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2021

Company response to consumer: Closed with explanation