vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I tried to retrieve my Transunion and XXXX reports from annualcreditreport.com XXXX times and I've been unsuccesful. I would like to obtain my credit reports online. I want to to pull all three reports from annualcreditreport.com.

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 2022-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
This is a formal complaint against XXXX XXXX and Collections. This collection agency has negatively reported XXXX ( XXXX ) accounts to my credit report and is unable to verify the validity or accuracy of these alleged debts. A recent lawsuit against XXXX found that the collection agency routinely failed to implement proper policies and procedures to ensure the accuracy of accounts. 

The CFPB alleges that XXXX lacked reasonable policies and procedures regarding the accuracy and integrity of the information it furnished to consumer reporting companies, specifically with respect to handling of indirect disputes, which are disputes submitted by consumers to credit reporting agencies. 


Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$270.00} Reporting to : XXXX, XXXX Original Creditor : XXXX Amount : {$750.00} Reporting to : XXXX, XXXX, XXXX These particular accounts are evidence of XXXX lack of accountability. To this day, the collection agency can not share the details of the charges by providing a copy of signed lease/contract with original creditor, itemized accounting ledger of how the total alleged debt was calculated, details or photos of any alleged damage. I have no way of knowing if this debt is accurate or even belongs to me. As such, I am requesting these items be deleted from my XXXX, XXXX, and XXXX files. 
Furthermore, per Florida Statutes s. 83.49 ( 3 ), a landlord is required to notify tenants of balances owed within 30 days or forfeit the right to collect. I vacated the property XX/XX/XXXX. The first notification I received of any alleged debt was from XXXX on XX/XX/XXXX. This is far beyond the 30 days, and therefore XXXX is attempting to collect a debt unlawfully. I have included documentation to support this position. 

Additionally, I would like to make an official complaint of FCOs abusive collections practices. During the first contact on XX/XX/XXXX I was notified of the alleged debt. When I asked for clarification of the charges the agent refused any additional information. Due to the agents hostile temperament I requested to speak to a manager or another agent. The request was met with screaming and insults. This is a clear violation of FDCPA and should be handled as such.

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 2022-03-22 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: FL

Complaint narrative:
I am very tired at this point dealing with Experian. Ive contacted this company multiple times to rectify my affairs and they willfully non comply each and every time. They have alienated me as a consumer so now Im going to file a dispute against them in small claims court.

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 2022-03-22 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: OH

Complaint narrative:
I tried to communicate with the company twice and they have ignored my request. I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.

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 2022-03-22 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 would like to ask for your help regarding these unauthorized inquiries in my credit report. Been reporting these for two months now but they haven't gotten them off of my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Western-Shamrock Corporation
State: OK

Complaint narrative:
Western finance recently started charging a fee for paying by debit card. The other companies dont do that. Also I have made contact and tried to work it out the guy was very rude and wouldnt let me speak. I told them I would be in when they dropped the charge to use the debit card. He called my references without even calling my number. After I already had spoken to him. I called this morning first thing and he wouldnt let me speak. I told him I work on the road and they never charged a fee before. Then again he called multiple references without even calling my number back to get ahold of me. Why the XXXX call references when I just spoke to you. And not even call my number back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-03-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an XXXX  company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this XXXX XXXX n now im XXXX  n cant XXXX to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
To whom it may concern, Back in late 2015 I along with 6 of my coworkers experienced layoffs due to the oil and gas market crashing. This turned my life upside down and I can't remember a time of feeling more stressed out. As you can imagine this put a huge strain on my finances and therefore I was forced to downsize by breaking lease with my land lord and had to trade my truck in for a more economical vehicle. Luckily my landlord was very understanding and knew that I was a good tenant and granted my wish with no refractions. I was extremely grateful as you could imagine. During this time I had great difficulties finding employment though. My background is oil and gas production and no one was hiring. I did what I thought was a good idea at the time and enrolled in a community college and took a very low paying job at a golf course. I was barely getting by and through it all was mounting up credit card debt. Low and behold I found myself hurt on the job with a back injury that still nags me from time to time till this day. I had no choice but to take two months off due to the injury, which was debilitating physically and financially. Inevitably the credit card debt piled up and I could no longer make payments towards it. XXXX XXXX then turned the account over to collections and it has been on my credit report ever since. I once filed a dispute about this and had it removed briefly and unbeknownst to me was randomly put back on my personal credit report by Portfolio Recovery Debt Collections. This is wrong, unethical and illegal. If this formal complaint doesn't resolve the issue I will be seeking legal action. I would like to refinance my truck and buy a home but this ding on my credit report is a huge XXXX eye that keeps me from getting a more favorable interest rate and lower monthly payment. Thank you for your understanding and for reviewing my complaint. Kind regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I made a settlement agreement with GM Financial. The amount agreed upon was honored and paid. this should be reported on my credit report as settled and zeroed. GM Financial has since updated my credit report showing a balance less what I paid. I can not get this resolved with either experian or GM even after uploading proof documents to experian

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
AN ACCOUNT IS BEING REPORTED ON MY CREDIT REPORT, I HAVE SENT MANY LETTERS ASKING HOW THIS ACCOUNT BELONGS TO MY AND IF ANY DOCUMENTATION COULD BE SENT TO VALIDATE THIS ACCOUNT. I HAVE NOT RECEIVED ANY INFORMATION. I HAVE SENT IN FTC REPORTS AND POLICE REPORTS AS PROVE AND IT AS GONE UNFOUNDED.

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 2022-03-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
On XX/XX/2022 PORTFOLIO RECOVERY, a debt collection company, in an attempt to make contact me, impersonated the IRS ( on the caller id ). Please see attached screenshots

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Law Offices of Timothy E. Baxter & Associates, P.C.
State: MI

Complaint narrative:
I was in desperate straights and I borrowed at a rate and term that was more than my understanding allowed for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I have submitted 3 times - police reports and other fraud paperwork to each of the collections agencies that XXXX XXXX has sold this debt too. The amount is {$1500.00} the name of the person is XXXX XXXX - XXXX XXXX, Michigan- the account was opened in XX/XX/2019 to XXXX XXXX 

I do not know or have ever given permission to anyone to use my information to gain access to any services provided by XXXX XXXX XXXX XXXX I have asked each agency to provided any paperwork or contact that would have been signed to gain services by XXXX XXXX and each collection agency " XXXX XXXX does not have any paperwork ''. Please help me have this collection debt remove from my credit history.

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 2022-03-22 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: GA

Complaint narrative:
On XX/XX/XXXX I obtained credit reports from Equifax, XXXX, and XXXX. On all 3 credit reports, I noticed a total of 14 late payments still reporting on both of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX. XXXX has a policy that has been in place since XXXX surrounding approved forbearances covering and reversing any late payments obtained during that time. I reached out to XXXX via email to their Consumer Advocate Team to let them know that they were reporting late payments on my credit report that shouldn't be there according to their forbearance policy. I received a response 2 days later saying that all credit reporting information from their company is factual and I need to dispute it through the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: GA

Complaint narrative:
On XX/XX/XXXX I obtained credit reports from XXXX, XXXX, and Experian. On all 3 credit reports, I noticed a total of 14 late payments still reporting on both of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) student loan accounts. XXXX has a policy that has been in place since XXXX surrounding approved forbearances covering and reversing any late payments obtained during that time. I reached out to XXXX via email to their Consumer Advocate Team to let them know that they were reporting late payments on my credit report that shouldn't be there according to their forbearance policy. I received a response 2 days later saying that all credit reporting information from their company is factual and I need to dispute it through the 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 2022-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
AN ACCOUNT IS BEING REPORTED ON MY CREDIT REPORT, I HAVE SENT MANY LETTERS ASKING HOW THIS ACCOUNT BELONGS TO MY AND IF ANY DOCUMENTATION COULD BE SENT TO VALIDATE THIS ACCOUNT. I HAVE NOT RECEIVED ANY INFORMATION. I HAVE SENT IN FTC REPORTS AND POLICE REPORTS AS PROVE AND IT AS GONE UNFOUNDED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: UT

Complaint narrative:
I purchased a house on XX/XX/XXXX through XXXX XXXX. XXXX they sold my loan to someone else, which was expected. I checked my credit XXXX and it still showed that I owed XXXX XXXX. I contacted them the end of XXXX and they said that it should be taken off by XXXX. I looked again on XX/XX/XXXX and showed that it was still open. I have been talking to the original broker and they have been working with their corporate to get this taken care of. I spoke with them ( XXXX XXXX ) on XX/XX/XXXX, XXXX, XX/XX/XXXX by phone and email. I have had my realtor contact them as well on XX/XX/XXXX and she gets responses that say they are working with their corporate as well. On XX/XX/XXXX the last response was the XXXX XXXX spoke to the CEO of XXXX about the problem and he said that he was going to look into it. Still nothing. Right now it shows that I owe XXXX XXXX on my home. And it still shows open. My credit usage is 96 %. Right now, the stress and the limits this is putting on me is not right. The broker is doing everything they can and they are also not getting anywhere. I need this fixed.

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