vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I contacted XXXX XXXX in regards to incorrect information on my credit report and they have not investigated my dispute. I have asked them for documentation on this account and have yet to receive it. They are reporting multiple inaccuracies, each credit bureau is showing different information. For example Transunion is showing date of last activity as XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. They continue reporting incorrect information on 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 2020-09-07 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: MN

Complaint narrative:
I contacted XXXX XXXX in regards to incorrect information on my credit report and they have not investigated my dispute. I have asked them for documentation on this account and have yet to receive it. They are reporting multiple inaccuracies, each credit bureau is showing different information. For example XXXX is showing date of last activity as XX/XX/XXXX, Equifax XX/XX/XXXX and XXXX XX/XX/XXXX. They continue reporting incorrect information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I contacted XXXX XXXX in regards to incorrect information on my credit report and they have not investigated my dispute. I have asked them for documentation on this account and have yet to receive it. They are reporting multiple inaccuracies, each credit bureau is showing different information. For example XXXX is showing date of last activity as XX/XX/XXXX, XXXX XX/XX/XXXX and Experian XX/XX/XXXX. They continue reporting incorrect information on 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 2020-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank credit card i have for over seven years and a exceptional customer. I always pay everything on time and have wonderful credit. About a month ago Citibank decreased my limit from XXXX to XXXX without my knowledge or any letters. They state they sent a email and letter and i still have not received it. I have reached out to them several times to even give me a reason why and they said when i did a transfer from my business account it declined. Which should never have happened. There was plenty of money in there. Both of my accounts went into this crazy negative status overnight hme in the morning they were back to normal. I almost had a heart attack. Since this happened they decrease my limit. It was not my fault. There was money in all accounts. I always pay my credit card off. I use it all the time for my work to get points as this has affected me very much. My work reimburses me and i always pay off. Please help me recover my credit increase. I have contacted all credit bureaus and they say i have impecible credit and never late and i have sent all copies to Citibank also and nothing is being done. I still have not received the letter stating why this was done and it is now going to mess with my fico score which i have worked super hard to keep At the level it is at. Thank you so very much

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 2020-09-07 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: LEXISNEXIS
State: MI

Complaint narrative:
I filed a dispute with Lexis Nexis, XXXX, XXXX and XXXX   involving a public record that is incorrectly reporting on my credit report. It is a Bankruptcy filing showing the " assets and liabilities '' sections inaccuralety. They are required by law ( FCRA ) to report all information on my report 100 % accurately. The assets and liabilities sections both show as {$0.00}. This is incorrect and I disputed the information. They promptly " VERIFIED '' that information. I disputed it again and it was yet again " VERIFIED ''. I asked specifically HOW they verified the item and then sent me some canned letter that told me what they are " supposed '' to do. I don't care about what you are " supposed '' to do, I want to know exactly what they " actually '' did. I received a letter from the Courthouse stating that they " DO NOT REPORT ANY INFORMATION TO ANY CREDIT BUREAUS and I attached proof of this. I also obtained my own court documents had have attached proof showing that the assets and liabilities was more than {$0.00} and that my rights were violated because of Lexis Nexis, XXXX, XXXX and XXXX   refusal to investigate properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: MN

Complaint narrative:
I found a delinquent account from this company on my credit report and I asked them to verify this account and they have refused to. Even after I disputed this with them, they never put the account in dispute on my credit report like they were supposed to.

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 2020-09-07 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:
On XX/XX/20, I reopened a dispute with Experian regarding a bankruptcy that has appeared on my credit report as two bankruptcies. I have opened several disputes, to no avail. This time, I provided documentation from XXXX XXXX ( the reporting agency Experian claims to use ) confirming that one of the bankruptcies WAS an error and that it was to be removed from my credit report. 

Today ( XX/XX/20 ) I received a decision on my dispute and, once again, Experian says that the reporting agency confirms that the reporting is correct? 

If Experian actually DID check, they would have found the opposite. I sent them documented proof AND XXXX XXXX would have confirmed my claim. 

This is very frustrating. I have been trying, for years, to take care of this and thought it was finally over. This is ridiculous. 

They have power over the interest rate on my car note, whether I can rent the house I want to live in ... I am playing by the rules and they continue to irresponsibly wield their power without consequence. 

I have attached my supporting documentation. 

Please help.

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 2020-09-07 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: TX

Complaint narrative:
Experian Dispute XXXX XXXX XXXX XXXX Experian claims that this is a valid collection action yet neither Experian nor the alleged collection agency, XXXX XXXX XXXX, has provided any documentation whatsoever to support this claim. I have repeatedly tried to contact XXXX XXXX XXXX by mail and phone and have not received a reply to both my letters and voicemails. I have filed multiple disputes with Experian but to no avail. Experian claims that XXXX XXXX XXXX has provided validation that this collection action is legitimate, yet I have received nothing to support this claim other than Experian continuing to state that its valid. Experian keeps closing the dispute without providing any evidence whatsoever that XXXX XXXX XXXX collection action is valid. I have no knowledge of what they are trying to collect for, and have not received any invoices or other correspondence related to this. Experian is negligent in their duty as a credit bureau by not removing an inaccurate entry on my credit report and by not providing any evidence that XXXX XXXX has a valid claim.

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 2020-09-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I called on Wells Fargo on XX/XX/2020 because i was having online Access issues. I spoke an agent call length 12 minutes and 50 Seconds # called XXXX. I specifically asked the agent if my account was at risk of being closed due to no usage. Agent responded with no he did not see any indication that it was at risk of being closed. Today XX/XX/2020 i called to inquire on why my account was closed and was advised it was closed due to non usage and was closed on XX/XX/2020 number called XXXX XXXX XXXX They claim they have no record of the call. 

I feel that my card was closed as part of risk management during the Covid pandemic. I ave had this card for long time now. I am extremely disappointed that wells fargo treats consumer using predatory measures

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 2020-09-07 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:
XXXX  Dispute XXXX United Revenue Corp XXXX   claims that this is a valid collection action yet neither XXXX  nor the alleged collection agency, United Revenue Corp, has provided any documentation whatsoever to support this claim. I have repeatedly tried to contact United Revenue Corp by mail and phone and have not received a reply to both my letters and voicemails. I have filed  multiple disputes with XXXX  but to no avail. XXXX  claims that United Revenue Corp has provided validation that this collection action is legitimate, yet I have received nothing to support this claim other than XXXX  continuing to state that its valid. XXXX  keeps closing the dispute without providing any evidence whatsoever that United Revenue Corps collection action is valid. I have no knowledge of what they are trying to collect for, and have not received any invoices or other correspondence related to this. XXXX  is negligent in their duty as a credit bureau by not removing an inaccurate entry on my credit report and by not providing any evidence that United Revenue has a valid claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 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: MN

Complaint narrative:
We went into forbearance with our mortgage through XXXX, in XXXX, due to covid. After receiving the stimulus money we paid our mortgage for XXXX and XXXX in XXXX. XXXX is reporting us late for XXXX and XXXX which is incorrect. We asked them to fix it and they deny that theyve reported it late. We then placed a complaint with Experian and they said XXXX reported us late!

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 2020-09-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FCI Lender Services Inc.
State: MD

Complaint narrative:
FCI LENDER SERVICES INC ( " FCI '' ) Claims they are the Servicer for XXXX, XXXX. 
The loan was not assigned to XXXX XXXX. 
Attached is a copy of the letter from FCI stating that they are the Servicer for XXXX, XXXX. 
If the loan is not assigned to XXXX XXXX. Then the question of enforcement does not arise. 
Currently XXXX XXXX is not licensed as a Lender. Pursuant to MD. Financial Institution Section 11-219 ( a ) Sale prohibited. -- A licensee may not sell a loan account to any person who is not licensed under this subtitle.

( b ) Account unenforceable if acquired by unlicensed person. -- A loan account that is acquired by a person who is not licensed under this subtitle is not enforceable. 
NOR. as Collection Agency in the State of Maryland.

Md. BUSINESS REGULATION Code Ann. 7-301 ( a ) In general. -- Except as otherwise provided in this title, a person must have a license whenever the person does business as a collection agency in the State.

FCI can not priovide Services to an entity who lacks the required licenses.

FCI is involved in unjust enrichment, willful malicious prosecution of a Homeowner.

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 2020-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: MN

Complaint narrative:
I contacted this company in regards to a delinquent account they are reporting on my credit report. I asked them to validate this account and they have yet to do that. On top of not validating the account they never marked this account as " disputed by consumer '' on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: IL

Complaint narrative:
Recently I took out an XXXX personal loan with this company. I have tried to tell them XXXX is too much to pay each month. They don't seem to want to compromise such as a smaller payment over more time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Army and Air Force Exchange Service
State: MD

Complaint narrative:
I have been contacted by this collection agency at least three ( 3 ) times this year in which the agency told me contradictory information and then made excuses for it, was berated by staff, was prey to attempted coercion for collection of personal information an attempted intimidation. The credit card is a military issued credit card that was explained to me be the agency to have different rules then regular credit cards so the actions they were taking were legal according to them. The amount quoted to me as owed to them for collection was not clearly explained even after questions were asked. The amount owed also varied up and down between times of contact and differed from paper bills always. One of the agents I spoke with attempted to berate me for not understanding responsibility and tried to explain how the  government works. This agent also quoted me a very low payoff amount which later changed. Another agent on a different day made excuses for the previous agent stating they were new at their job which is in no way pertinent information. The most recent agent harassed me for at least thirty ( 30 ) minutes trying to coerce me into giving personal information pertaining to my finances that was not directly related to the debt. They also used strong language to express their dissatisfaction with my handling of their tactics. Eventually the agent was so frustrated they hung up on me. I have been actively attempting to settle or erase this debt these past few times speaking with the collection agency however  they purposely seem to be making that proposition difficult.

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 2020-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
A credit card by QVC called a Q card was fraudulently used to purchase games and other electronics. I did not make these purchases nor did I receive any of the items. I have spoken to fraud department with  XXXX XXXX, QVC, and I have filed a police report with the XXXX Police Department which is currently being investigated by their fraud department. XXXX XXXX  nor QVC has provided me with any proof of my signature for this purchase. I have been told that items were sent to a previous apartment that I resided as well as a PO box that I have never had. XXXX XXXX  remains on my credit report as a derogatory mark. I am requesting this item be removed immediately as there is absolutely no proof that this belongs 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 2020-09-07 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-09-07 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: NJ

Complaint narrative:
I've sent four letters regarding 1 negative accounts that appear on my Experian Credit Report. ( XXXX XXXX ) Each response I received back stated that Experian was able to verify each account and it's reporting accurately. How is this possible when XXXX has the same account and was unable to verify it. Since XXXX was unable to verify the account after 30 days it was deleted from my report but Experian had the same amount of time as XXXX and was able to verify it and state that it's reporting accurately. Despite three written requests, the unverified item listed still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that this item is being reported correctly? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2020-09-07 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:
On XX/XX/XXXX I talk with a supervisor with Experian on the conversion I was told to get a Letter from US bankruptcy court.. Soon I receive the letter I sent it Certified mail on XX/XX/XXXX to Experian.. On Today XX/XX/XXXX they update my credit file & the Bankruptcy still on my report this is against the law. I spoke with a Second Supervisor his name was XXXX told me that the letter was correct & this Bankruptcy will be remove. I will upload the letter i sent to Experian. The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

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