vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-02 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: FL

Complaint narrative:
All XXXX of my credit reports are reporting the same account containing a lot of inaccuracies. The account I am referring to is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX This account is reporting inaccurate late payments and I have been going back and forth trying to correct the information. If the information can not be corrected, the account has to be removed off of all XXXX of my credit reports because it is reporting inaccurate information and violating the XXXX. 
All XXXX Credit Bureaus are reporting that I was XXXX days late in XX/XX/XXXX, then you reported again that I was XXXX days late in XX/XX/XXXX. They then reported that I was XXXX days late in XX/XX/XXXX and XXXX days late in XX/XX/XXXX. How is this so? I can not be XXXX days late for XXXX consecutive months back-to-back, then XXXX days late the month right after the previous XXXX months, and then XXXX days late again the following month. It is impossible. This is a serious error in your reporting. 
I have written multiply letters dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and so forth.

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 2022-02-02 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:
All 3 of my credit reports are reporting the same account containing a lot of inaccuracies. The account I am referring to is XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX Account XXXX This account is reporting inaccurate late payments and I have been going back and forth trying to correct the information. If the information can not be corrected, the account has to be removed off of all 3 of my credit reports because it is reporting inaccurate information and violating the FCRA. 
All 3 Credit Bureaus are reporting that I was 30 days late in XX/XX/XXXX, then you reported again that I was 30 days late in XX/XX/XXXX. They then reported that I was 60 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX. How is this so? I can not be 30 days late for two consecutive months back-to-back, then 60 days late the month right after the previous two months, and then 60 days late again the following month. It is impossible. This is a serious error in your reporting. 
I have written multiply letters dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and so forth.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the 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. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$12000.00} XXXX XXXXL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX CAPITAL XXXX {$0.00}

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 2022-02-02 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: NJ

Complaint narrative:
There are some accounts on my credit report that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am filing a complaint against AMEX because my concern in my credit report is still not resolved. I have an account with AMEX that was opened in XX/XX/XXXX. Since then I have been 100 % on time with my payments. The account is always paid on time and always handled responsibly. I am an XXXX XXXX of the United States XXXX and usually travel according to my orders. I use the AutoPay feature to pay my bills automatically because while I am under orders, I am unable to predict the details of my mission. This account was under autopay but somehow this feature was removed or the terms were changed because the money was not taken from my account as originally agreed. I do not have any blemish on my credit except for this late payment that occurred in XX/XX/XXXX during the months of my deployment. The servicemembers Civil Relief Act usually covers and protects US soldiers from adverse effects to their finance and credit while serving in the military. I ask this to be looked into and removed from my credit report. This is the only late showing up and should not be reported because this was not my fault as I was XXXX  during the change in terms and late payment. I am also filling a XXXX complaint since this is XXXX need the late only late payment reported in XX/XX/XXXX to be removed from my credit report.till not resolved by AMEX. I also attached the copies of my deployment that you can use for investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: NY

Complaint narrative:
There are multiple inquiries & an account from XXXX XXXX XXXX on my Report I do not recognize

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 2022-02-02 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: NY

Complaint narrative:
I have tried NUMEROUS times to fix inaccuracies on my consumer report with EXPERIAN. However, they come back " verified. '' report number : XXXX They are willfully in violation of the FCRA over and over again. Pursuant to 15 USC 1681a ( XXXX ). Provide me with the names of my neighbors, friends, or associated with whom you personally interviewed. 

EXPERIAN is committing criminal activity 18 USC 242. EXPERIAN IS providing information to anyone/company who pays to see my personal information violating my FOURTH AMENDMENT RIGHT. 

I would like to make it clear to EXPERIAN and those in position of Authority at EXPERIAN that congress makes it clear that the banking system is dependent upon my consumer report being fair, an accurate. Pursuant to 15 USC 1681 ( a ) ( XXXX ). Pursuant to 15 USC 1681 ( a ) ( XXXX ) Congress also made it clear that EXPERIAN is an elaborate mechanism with no real standing or authority. EXPERIAN was not given this role, EXPERIAN ASSUMED this vital role, and because of the assumptions of this company, my life has been negatively affected causing me hardship, XXXX XXXX and XXXX. 
Pursuant to 15 USC 1681 ( a ) ( XXXX ) You were unfair in reporting this erroneous information without first consulting with I, the consumer. You have no proof of any transaction ever taking place. 

EXPERIAN also has inaccurate addresses and names on my report. The inaccurate address must be removed as per the FCRA since they are not deliverable to me via usps mail. ( these are also stated within my attachment ) I have also sent to attached letter to EXPERIAN, and XXXX XXXX  ( registered agent ) via certified mail numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN

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 2022-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have recently received an email notification from Discover notifying me that they have decreased my credit line from {$13000.00} to {$500.00} and will close the account within 30 days due to inactivity and recent derogatory information reported by XXXX. Shocked by the information read, I subsequently pull my credit report with XXXX to learned about all the incorrect information reported on me. It appears that my mortgage servicer reported late and missed payments when I have been making prompt payment as agreed during the trial period of a loan modification. Not only did my loan servicer mislead me to agree on a loan modification that further increased my debt, they had also reported negative remarks to the credit bureau to prevent me from getting qualified for a refinance. After making several complaints, the mortgage servicer removed the missed payments but now I have Discover reacting on those false reports which make it very challenging to maintain the clean credit profile that I've worked so hard to maintain and build. I explained the situation to Discover Card but it was all too late as they claim the systematic decision irreversible and advised to apply again. As we all know, applying for new credit and having an old creditor like Discover since 2017 with zero balance suddenly close both have a negative impact to a consumers score. As a consumer that worked hard to maintain a good credit profile and earn a XXXX score isn't very easy, especially during this Pandemic. For Discover to further damage my credit with their account closure was unjustified especially acting on incorrect info. So now I'm a victim of both Discover and mortgage servicer, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Hard enquiries are fraud I want them removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: MECHANICS BANK
State: WI

Complaint narrative:
I obtained a car loan with Mechanics Bank in XXXX of XXXX. In XXXX of XXXX, I refinanced with XXXX  XXXX whom paid off Mechanics Bank in full and the account with Mechanics Bank was closed. Mechanics bank also released the lien and transferred title to XXXX XXXX. XXXX  XXXX obtained the payoff amount of {$22000.00} through their automated system which was good until XX/XX/XXXX. This payoff amount/good thru date is also on the XXXX statement I received from mechanics bank. The payoff was received by mechanics bank and processed on XX/XX/XXXX, XXXX payment for {$20000.00} and another on XX/XX/XXXX for {$2200.00} which totals {$22000.00}. As of XX/XX/XXXX it was reported to the credit bureau that the account was paid off and closed. On XX/XX/XXXX I checked my credit report and seen Mechanics Bank reported that the account was open again and there was a {$2600.00} balance. I called Mechanics and spoke with XXXX on XX/XX/XXXX. He said that the payoff made in XX/XX/XXXX was short by {$2600.00}. I asked how it could be short so much, especially when we have proof of the payoff amount they gave us. Not only that, if it was short, why am I finding out about this 5 months later. He said on XX/XX/XXXX there was a payment of {$2500.00} made to my account in error by Mechanics Bank themselves. They didnt realize this error until XXXX of XXXX. Now they have fraudently re-opened this account after already closing it and marking it as paid in full. Aside from this, they released the lien on my XXXX  XXXX and transferred title to XXXX  XXXX. This HUGE error is not my fault nor should I be responsible for it. No one notified me of this error either. They just re-opened the account and reported this balance to the credit bureau. XXXX  XXXX isnt able to absorb this {$2600.00} balance as that would require me to re-finance my loan with them which XXXX XXXX does NOT offer. Now Im expected to make two separate car payments. One to mechanics bank at a 9 % interest rate for {$450.00} until this {$2600.00} balance is paid off. Another with XXXX  XXXX at a 5 % interest rate for {$370.00} a month. This is not something I can do nor should I be liable for their mistake. This {$2600.00} wouldve been paid if it was included in the payoff amount we obtained, which it was not. Due to their mistake of applying this {$2500.00} payment to my account, they gave the wrong payoff amount and should be fully liable for this balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Self Financial Inc.
State: IL

Complaint narrative:
In XX/XX/2021 i asked for info on a late payment witch i clamed was never late. after finishing my tearms with them it was closed but a late payment is on my consumer reports hurting me from getting credit.in valation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I received a letter from Credit Collection Services dated XX/XX/2021 stating that I owed {$25.00} to XXXX. Since it was {$25.00}, and I didnt feel like worrying about it, I went to their online portal to pay. However, the amount in the portal was {$240.00}. 

I sent a validation letter request on XX/XX/2021 asking them to validate the full amount of the debt, asking for proof. I received another letter from CCS dated XX/XX/2021 stating that they were including a copy of the documents I requested. However, they only provided a copy of an XXXX bill for {$25.00} ( the original amount ). 

I called them later that week and explained to them that they only sent proof for {$25.00} - that I was again requesting them to validate the rest of the {$240.00}. The lady who helped me said that they were going to send the validation for the rest of the amount. So we waited. 

I then get another letter from them dated XX/XX/2021 stating that they were enclosing the documents I requested for the amount of {$240.00}. However, yet again, they sent only a copy of the bill from XXXX for {$25.00} and nothing else to validate the rest of the {$240.00}. 

I called them yet again to ask about this, and the man who picked up would ignore my request to send a validation of a debt and kept insisting that I owed the {$240.00}. He was very short and impatient with me when I tried to explain the situation and didnt want to address my request for proof of the rest of the amount they were trying to collect. 

Please help, Ive typed up another validation/verification letter, but I know they are legally obligated to provide validation of the whole debt the first time I request them to.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bliksum, LLC
State: IN

Complaint narrative:
They have called Me five to six times a day. They have called my Father, Sister and Brother in Law five to six times a day. asking to speak to me or my attorney. They call me and my family during work hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I cashed a check for a friend thinking it was a legitimate check because they had know banking. They had the check made out to my name so that I could deposit it. The depositing of the check took place on XX/XX/XXXX. That very same night following into XX/XX/XXXX the bank notified me via email and I contacted them. They said once the information was verified the check would go through. So I tired to get in contact with my friend and they were acting very suspicious on not giving me any information about the bank or the number of the company of where this check was written out to me. Now today on XX/XX/XXXX the check was reversed onto my account and now my account is negative XXXX dollars. I am in utter despair and I am unsure of what to do. I have contacted my bank and am waiting on a call back but am still unsure of what to do. Another thing the bank never credited that money to my account or made the account available because it was on hold so its not like I ever had access to the money or it was technically even there, so I am unsure on why I am being penalized when how could I have known.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: MS

Complaint narrative:
XX/XX/XXXX - Cardinal FinanciaXXXX ( mortgage company ) failed to pay agreed escrow wind insurance account. 
- Wind insurance was cancelled leaving a insurance cancellation record on my insurance history. 
* Cancellation caused my family to pay over XXXX to start a new policy. 

Insurance information was provided to Cardinal in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XX/XX/XXXX- Cardinal financial placed my account in collections through their error resulting in further financial and personal damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: UPGRADE, INC.
State: NY

Complaint narrative:
I APPLIED FOR A LINE OF CREDIT, AND I WAS DENIED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recheck, Inc
State: KS

Complaint narrative:
On XX/XX/XXXX, received a letter from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, KS XXXX, from XXXX XXXX, regarding my daughter to vacate the apartment. I had co-signed for her, with the understanding my name would be taken off the contract in 6 months. There was no discussion of me going into the office and filling out new paperwork. That is what this office personnel is trying to do to connect me with this outstanding amount of {$1200.00}. She has on this notice, the date of XX/XX/XXXX, apartment # XXXX, from a good neighbor policy, that someone had a complaint, so they were just going to try and evict my daughter. 
I later received from : Recheck, XXXX XXXX XXXX, XXXX, KS XXXX, notices on these dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. I spoke to the woman in the collections office numerous times and she is very aware it is my daughter 's debt, not mine. I was misled by XXXX XXXX regarding this procedure, and have not signed any paperwork regarding the procedure this company, so called established. Very poor communication and management. They have since, by the City of XXXX and XXXX, KS, had to condemn multiple apartments due to unfit conditions and them being run down. I am not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: NY

Complaint narrative:
There are multiple inquiries & an account from XXXX XXXX XXXX on my Report I do not recognize

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 2022-02-02 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: NY

Complaint narrative:
There are multiple inquiries & an account from XXXX XXXX XXXX on my Report I do not recognize

Company response to consumer: Closed with explanation