vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-11 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:
Dear CFPB & Equifax. 

Please see this as a formal dispute yet again -- for erroneous activity on my credit report that is harmful to my credit profile. I have sent over 45 pieces of mail to Equifax this year. 

My most recent disputes were sent via certified mail XX/XX/2021 ( listed below ) in which Equifax has not responded. Equifax continues to lie to the CFPB and write me with delays only to state they have verified or contacted the company, but that is not correct. I have proof of their negligence to report accurately. Your company has closed complaints of mine with Equifax that still aren't resolved. 

Furthermore in the following stack of tracking numbers, I sent a complaint with a specific request for information from Equifax about the following GHOST collection ( picture attached ) which was removed 4 years ago, and suddenly resurfaced on my credit hurting my credit a few months back. This account was paid to the original provider before it was sold to collections. The resurfacing of this illegal collection activity not verified during the dunning period when I first challenged it and also previously removed by equifax is illegally reporting.Equifax has ignored my requests as to why, and therefore should be removed. 

Equifax has not furnished a reason or documentation that I have requested as for why the GHOST debt has suddenly reappeared. This has been disputed online 3 times, by mail 3 times, and over the phone 2 times. I WANT HELP with full legal resolution. 



USPS Tracking : XXXX XXXX XXXX XXXX XXXX XXXX USPS Tracking : XXXX XXXX XXXX XXXX XXXX XXXX USPS Tracking : XXXX XXXX XXXX XXXX XXXX XXXX USPS Tracking : XXXX XXXX XXXX XXXX XXXX XXXX USPS Tracking : XXXX XXXX XXXX XXXX XXXX XXXX USPS Tracking : XXXX XXXX XXXX XXXX XXXX XXXX USPS Tracking : XXXX XXXX XXXX XXXX XXXX XXXX USPS Tracking : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: World Acceptance Corporation
State: IL

Complaint narrative:
This account was opened in XX/XX/ XXXX it has been closed. They have switched the account to another internal account with a different account number lied about me making payments I never made to keep it active while also toying with my credit nonstop, one month they change the payment history the next month its changed again.

They have charged off the account and now all of a sudden they are also trying to put it in collections because its coming up on seven years. I have no collections on my credit and I will not stand for it Im trying to build my credit to buy a home and this corporation is doing nothing but trying to hold me down on every level on every turn. The information is incorrect they have blatantly lied over and over it must stop. I have all the records to prove this. This is beyond bad business practice this is downright lying on there part. How Can anyone get ahead in life when I have to deal with corporations like this Im just one person but I will not give in and I will prove to whoever I need to they have lied and lied and lied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
The company has not vaildated the account is mine. I have not received proof of signature for any of the items. Please provide proof and a ledger of the charges.

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 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have recently requested XXXX, XXXX, AND XXXX to investigate a few accounts reporting on my consumer file, The investigation took welll over 30 days and I have not been notified of the outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I have recently requested XXXX, XXXX, AND XXXX to investigate a few accounts reporting on my consumer file, The investigation took welll over 30 days and I have not been notified of the outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PLEASE HELP ME WITH SOMTHING, IVE BEEN A VICTEM OF IDENITY THEFT.. SOME USED MY CREDIT AN GOT MEDICAL TREATMENT IN MY NAME. I ALSO HAVE AN ACCOUNT THAT WAS REMOVED DUE TO FRAUD AND IT HAS REAPAERED ON MY REPORT. THE PROMBLEM IS THE COLLECTION AGANCY DID NOT SEND ANYTHING IN WRITING SAYING THESE ACCOUNTS WERE BEING ADDED BACK TO MY REPORT.. THE FOLLOWING COMPANIES PLACED ACCOUNTS ON MY CREDIT REPORT WITH OUT PROPER NOTICE.. THIS IS A VIOLATION OF FCRA.

1. XXXX XXXX XXXX, {$1000.00} ACCOUNT NUMBER XXXX I'VE NEVER DONE BUSINESS WITH THIS COMPANY OR ENTERED INTO A WRITTEN CONTRACT WITH THIS COMPANY. THIS COMPANY PUT THIS ITEM BACK ON MY REPORT WITH OUT 5 DAY WRITTEN NOTICED..

2. XXXX XXXX XXXX, {$380.00} ACCOUNT NUMBER XXXX I'VE NEVER DONE BUSINESS WITH THIS COMPANY OR ENTERED INTO A WRITTEN CONTRACT WITH THIS COMPANY. THIS COMPANY PUT THIS ITEM BACK ON MY REPORT WITH OUT 5 DAY WRITTEN NOTICED..

THE FOLLOWING ACCOUNTS BELOW, ARE FRAUDULENT, IVE NEVER DONE BUSINESS WITH THE FOLLOWING COMPAINES, IVE NEVER ENTERED INTO A WRITTEN CONTRACT WITH THE FOLLOWING COMPANIES. 

1.PHOENIX XXXX {$1900.00} 2..XXXX FINANCIAL {$1300.00}

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 2021-10-11 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: Central Portfolio Control Inc.
State: CA

Complaint narrative:
I have reached out to XXXX, XXXX, AND XXXX to investigate some accounts and the investigation took well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Over the past year Experian has stopped showing any of my creditors on my credit report. This is causing my credit report from Experian to show up to creditors as a " Thin '' credit file. I have over 18 accounts that report to all 3 credit bureaus but none are showing on my Experian credit report even they were showing a year ago. This is preventing me from applying for a mortgage as lenders need reports from all 3 credit bureaus. 

I have called Experian twice a week, every week for the past month. In 2 cases the representatives tried to convince me that I had creditors who don't report to Experian. I was finally able to get one representative to understand that my issue was not with the creditors but with Experian no longer picking up what my creditors were reporting on my Experian report. The rep explained that he saw an error in my file and the problem would be resolved in 24 to 36 hours. This was over a week ago and the problem still persists. 

This issue caused me to be unable to apply for a mortgage. Because of this I have already missed out on two houses that I wanted to purchase. This is a case where I am being denied credit to due a credit agency not showing any of my creditors, not the creditors themselves. I need to escalate to get this issue resolved ASAP.

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 2021-10-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: MI

Complaint narrative:
Original loan was from 2004. I got a loan from XXXX for around XXXX an some change. The total payments was around XXXX over 15 years, for XXXX loan. So fast forward 15 years, actually 16 years and 11 months. According to One Main, the third company to own my note since 2004, tells me that I missed 14 payments, which is XXXX in payments, but have been paying on this account for an extra 23 months, which is XXXX. So I really don't understand the math system they are using, but I believe I overpaid XXXX. They are telling me I owe for Deferred Interest, which was never disclosed to me at anytime they was " helping me '' when I was having a financial problems. One Main will not close the account, reporting negative credit on my credit report. Now I have recently proved how they process payments, in which makes cense why I showing 14 payments pastdue. I made two payments in XXXX, for XXXX and XXXX. Two different transactions. Shows on my credit 30 day pastdue in XXXX and no payment made for XXXX. After this, I refuse to make any more payments on this leech account. My contract was XXXX, not One Main.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
On XX/XX/2021 I attempted to fund my coinbase account with my XXXX brokerage account. By XX/XX/2021 I was informed that the {$1000.00} was backed out. At this point I attempted to correct the deficit by funding with my bank account then my debit card of which both were frozen. I reached out to the customer support and they responded with a variation of pay your debt or we will have to pay it by liquidating other assets in your account. Now that my account is still frozen I am unable to fund the account and they still plan to charge me for their service charge. I believe in this situation if their company knew that accepting XXXX from XXXX was not a viable provider then they should take a service charge. They did roughly {$20.00}. It is a small sum, but amplified over how many transactions they convert daily applied to even a minimal error and you can imagine the compound effect could be absolutely massive. I want refund and I want them to correct this for future clients of theirs if they continue to conduct business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account CAPITAL ONE opened XX/XX/XXXX that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
In XX/XX/XXXX my mortgage was sold by current mortgage company to another mortgage company. This caused my credit score to go down. I contacted experian to ask why and I was told it is because of algorythms or something like that. Three months later I found out my new mortgage company is not reporting my mortgage payments. Experian credit reporting said give it a few more months. On XX/XX/XXXX I recieved an email from Experian credit reporting saying my credit score has dropped 17 points with no explanation at all for the reason. BUT if I would like to pay money to find out I can. I have tried to contact Experian numerous times and the phone number will only let you talk to a machine who will not allow you to talk to a real person. Experian has made it impossible to talk to a real person and this has been going on for years. Is Experian broke and they can not afford to hire any real people? Since giving up on trying to contact Experian I have found out the reason for my credit score dropping 17 points is because my mortgage company who purchased my mortgage is now reporting as a new mortgage. This is obsene and pure and simply rediculous. I have been living in my current home for 18 years and making my mortgage payments for 18 years. If mortgage companies are going to sell and purchase current mortgages they should report appropriately and a home owners credit score should not be affected IN ANY WAY. Obviously algorythms or whatever it is called should be removed from any portion of decision making. Peoples credit scores affect every portion of a person life. If credit reporting agencies can not report correctly they should be stopped by the federal government and not allowed to report credit scores or credit reports. Experian has been having problems for many years with getting their act together but they just can not seem to do it.

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 2021-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
Focus financial XXXX XXXX XXXX XXXX XXXX XXXX, XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$500.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: Kimball, Tirey & St. John LLP
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
US Bank, National Association Acct / XXXX XXXX US Bank is foreclosing on my home. After the foreclosure moratorium was lifted, was not given any loss mitigation options and they immediately applied for a sherriff sale date in XX/XX/2021. I was not given any loan modification options. My wife was laid off during the pandemic but now we are both working and we could afford to make the monthly payment if we are able to get a modification with an interest rate reduction. US Bank refuses to speak to me about loss mitigation or a modification.

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 2021-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: DE

Complaint narrative:
Notice to all, I am a consumer pursuant 15 usc 1681 ( a ) ( 4 ) I have federally protected rights that have been violated. I have never signed a contract OR PROMISSORY NOTE with SOUTHWEST CREDIT SYSTEMS. Notice in fact, I am disputing any and all alleged debts that this company claims I may own past future and present. Any item furnished on my consumer report is a violation of 15 usc 1681b. Notice in fact that I've never given my written or verbal consent to these items being reported. violation of title 15 are punishable pursuant 15 usc 1692k by {$1000.00} per violation. I DEMAND THESE ITEMS BE REMOVED FROM MY FULL CREDIT FILE OR PAY ME {$1000.00} FOR EVERY MINUTE THAT THIS ITEM HAS BEEN ON MY CONSUMER REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX I participated in what was called a " selection '' to be coached by XXXX XXXX for free. After I actually found out that this process was a frivolous sales process. After receiving many emails inviting me for a free meeting on XX/XX/XXXX I entered in a videoconference call with other people being interviewed one by one by XXXX XXXX. Once I spoke to the " interviewer '' and was mislead that I've passed on the interview, I was brought to another videoconference to talk to a person who requested my credit card information. I thought that was one more step of this selection process and I cooperate with this person, giving my credit card information. I thought my card would not be charged because there was any type of contract or agreement. Unfortunately, on XX/XX/XXXX, I realized I was wrong and subsequently I decided to ask for a reimbursement. So, I email XXXX XXXX XXXX to request my reimbursement since I've never received or signed any terms or conditions and any other type of agreement. I received an email from XXXX XXXX XXXX, saying that their Terms and Conditions, which I've never received did not allow reimbursemts. For this reason, I disputed the transaction with Bank of America. However, on XX/XX/XXXX, Bank of America sent me by mail a request with explanations and the answer of the merchant to my dispute. The answer was showing all the free invitation emails sent by XXXX XXXX XXXX and a form of order EMPTY, that was never filled by me. They also could not provide any terms and conditions or other agreement showing my signature as I proved with the documentation sent to Bank of America on XX/XX/XXXX. Even under those circumstances Bank of America is still charging me and saying : " We didn't receive documentation stating what you were supposed to receive and how it was different from what you received ''.

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 2021-10-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XXXX XXXX XXXX violated my consumer rights. A debt validation letter was sent to this company on XX/XX/2021. This company failed to provide any documents validating this alleged debt. Instead, they sold my personal information to another debt collector after receiving a cease and desist all collection activity letter. This company has harassed and sent threatening parcel to my residence without prior consent. This company has also threatened me with foreclosure on my home and that they would charge a late payment fee on an alleged debt I do not owe to them. I am the original creditor and my consumer rights has been violated. I have communicated with this company the they do not have consent from me to sell my personal information to anyone and that it would be a direct violation of identity theft if conducted. Listed below are all the violations : 15 USC 1692f : Unfair practices, 15 USC 1692e : False or misleading representations, 15 USC 1692d : Harassment or abuse, 15 USC 1692c : Communication in connection with debt collection, 15 USC 1692j : Furnishing certain deceptive forms, 15 USC 1692 : Congressional findings and declaration of purpose, 15 USC 1692k : Civil liability, 15 USC 1691e : Civil liability, 15 USC 1691c : Administrative enforcement, 15 USC 1691a : Definitions ; rules of construction, 1681s2. Responsibilities of furnishers of information to consumer reporting agencies, 15 USC 1681c : Requirements relating to information contained in consumer reports, 15 USC 1681b.

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