vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX I spoke with Equifax fraud department associate XXXX. I explained to her I needed access to my Equifax.com it was giving me an NH code. I explained that XXXX XXXX Card should not be on my credit file. 
This card was placed on my file XXXX in the amount of 0 as a charge off. My request was to have this credit card validated and not verified. I asked for the card to be validated with a written signature or an electronic signature. I also asked for the address to be validated on this account. I explained to this associate it is Defamation, Negligence, and supporting identify fraud. 

I explained XXXX and XXXX had to remove over XXXX different addresses on my account for which was Fraud. If this is not removed I am going to sue Equifax for data breach information and placing inaccurate information on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
XXXX XXXX is attempting to collect through I.C. Systems. This is not mine. We have not had any services from XXXX XXXX. I use satellite for TV and Fiber for internet. I do not know what this debit is for or when it originated. I have received no communication from XXXX in regard to this debt. The first I have heard about this is a notification from XXXX that someone was attempting to collect a debt. I do not miss payments for anything. My payment history is perfect.

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 2022-02-01 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without 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 XXXX 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 XXXX year old daughter PLEASE HELP ME PLEASE

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 2022-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Todd, Bremer & Lawson, Inc.
State: CO

Complaint narrative:
Between the dates of XX/XX/31 and XXXX the company repetitively called me. They started calling before the hours of XXXX as well. I had more than XXXX calls a day on XX/XX/31. As well as XXXX calls within XXXX minutes on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc.
State: IL

Complaint narrative:
I was out of work because my previous employer closed its doors and went bankrupt. The company 's failure, and my unemployment, were due solely to the COVID-19 pandemic. 

Avant sent emails offering payment plans and saying that if I made a payment there would not be negative reporting. Two days after this email I got my first paycheck at my new job and paid Avant to date. Nonetheless Avant reported me 60 days delinquent. 

My pre-COVID-unemployment and post-unemployment payment history was perfect. I attach the email and proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I lived in New York state and opened a TD XXXX  Checking deposit account. I tried having a portion of my payroll checks deposited into this account but was shortly unable to login to the account. I recently moved to California and was unable to login to their website- it said " there are no accounts to show. '' I called their customer service number twice and both times the representative told me the only way to resolve this is to go to a physical branch ( which they only have on the East Coast, ) and that there was no way to handle this over the phone, via fax, secure message, or via a video visit. 

It is outrageous that they are holding my money XXXX and refuse to help me in any way and that the only way to resolve this is to go to a physical branch during a pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX, XXXX Date of inquiry XX/XX/XXXX XXXX CARD Date of inquiry XX/XX/XXXX XXXX CARD Date of inquiry XX/XX/XXXX

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 2022-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2022-02-01 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: MI

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX  XXXX XXXX XXXX Balance {$940.00} XXXX  XXXX XXXX XXXX Balance {$300.00} XXXX  XXXX XXXX XXXX Balance {$830.00} XXXX  FIRST XXXX XXXX Balance XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX Balance {$430.00}

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 2022-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
One Main financial secured a personal loan for a large amount and used my car worth {$4000.00} to secure a {$20000.00} personal loan. I fell behind due to a divorce and have been making smaller payments. They call over 10 times a day everyday. It is disrupting my work day and causing me additional stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01 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 and XXXX 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 XXXX XXXX : XXXX XXXX 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 explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
They are listing late payments, due to the long time frame no proof is available to me, I dont have access anymore since they sold the mortgage.

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 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The following items were seen on my credit report which I found some erroneous remarks in each item. Experian has failed to properly investigate which leads to hurting my credit scores and my credit credentials. I am requesting to reinvestigate these items and feedback within 30 days with corrections and deletions of unverified and unauthorized items. 
XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$5000.00} XXXX. XXXX XXXX XXXX XXXX : {$430.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX. XXXX XXXX XXXX : {$820.00} XXXX. XXXX XXXX XXXX : {$800.00} XXXX. XXXX XXXX XXXX XXXX : {$1000.00} XXXX. XXXX XXXX XXXX : {$0.00} XXXX. XXXX XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX : {$800.00} XXXX. XXXX XXXX XXXX XXXX : {$19000.00} XXXX. XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX Date of inquiry XX/XX/XXXX

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 2022-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: NY

Complaint narrative:
I lived in XXXX XXXX in XXXX, MN : XXXX XXXX, XXXX was landlord ; ( herein referred to as XXXX XXXX. ) I paid all of my rent. ( I would have been evicted otherwise. ) I have the landlords ledger of the rent I paid. 
I have all my rent receipts. 

XX/XX/XXXX was my last month. 

I left not owing money. 

Nearly 2 years later : Hunter Warfield [ XXXX ] XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX a collection agency that HAS illegally identified themselves as an attorney on my credit report this collection agency reported a Collections ( AND a negative Account ) to my Credit Report : Claiming that I owed ( what? ) {$1700.00}? 
to XXXX XXXX. 

All systems have failed since that moment : [ FIRST SYSTEM-FAILURE : ] I provided ( 1 ) my rent receipts for XXXX, ( the time in question ; ) ( 2 ) my lease ( proving rent amount ; ) and ( 3 ) the computer printout of my account history from the landlords database. 

Warfields proof that I owe this money is a document that any XXXX can manufacture with a computer and printer. 

[ SECOND SYSTEM-FAILURE : ] I disputed this record on my Credit Report the last time in XX/XX/XXXX : ( I sent everything by return-receipt mail : ) I NEVER RECEIVED RESPONSES FROM WARFIELD OR THE THREE CREDIT-REPORTING AGENCIES.

So it should have been removed from my credit report. 
It was not removed. 

[ THIRD SYSYTEM-FAILURE : ] Things fall off automatically after X-amount of time : From memory : In Florida, it is 3 years? 
Definitely across the board SEVEN YEARS MAXIMUM : The debt is from XXXX : XXXX plus 7 years equals XXXX : It is still there on my Credit Report. 
Until XXXX, I was told. 

... 

Firstly : I NEVER OWED THIS MONEY! 

Secondly : I PROVIDED ALL EVIDENCE my receipts, the lease, the landlords record THAT I DO NOT OWE MONEY, AND THAT I NEVER DID OWE MONEY. 

Thirdly : How many laws in-place to protect me have failed? 
( a ) Calling the business an attorney ; ( b ) never responding to my filed dispute ; ( c ) not adhering to the 7-yr MAX reporting time-limitation WHERE AND HOW IS THIS GOING TO END? 

DO I NEED TO TELL YOU WHAT CONSEQUENCES I HAVE SUFFERED FROM THIS FRAUD!! 

IF I HAD A HISTORY OF NOT PAYING MY BILLS : MY CREDIT REPORT WOULD REFLECT THAT. 
__ THIS NEEDS TO BE REMOVED TODAY, NOW. STAT. I am suffering because of my Credit Report BECAUSE OF THIS! and I need your help to rectify this evilness. 

This is nothing more than extortion. 
Pay the {$1700.00} and get my life back. 

Please help me. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX data breach and may have gotten into the wrong hands.

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 2022-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: U.S. BANCORP
State: MD

Complaint narrative:
US Bank holds the loan on my vehicle. I registered this vehicle with the state of Maryland in XXXX of 2021 and have been struggling to get the lien holder to process the title transfer from California to Maryland. Based on numerous emails, US Bank appears to have Since XXXX of 2021, I have calling and emailing back and forth with US Bank to get this done. I can not get anywhere. All they ever do is tell me it is not done yet. 
On several occasions, I asked for the name and contact information of someone who could help do more than check the status of the state to state lien transfer. I have repeatedly requested that the matter be escalated in the system and was told that they did not have the authority to write custom email requests. 
Despite the fact that I make monthly payments on this loan, I am unable to legally register the car nor can I attempt to sell it without the title transfer. I received a citation for an expired tag and have had to request a trial date to avoid paying a fine for something that I have absolutely no control over.

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 2022-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: NY

Complaint narrative:
To whom it may concern, I have a collections on my report that I do not owe from FIRST CREDIT SERVICES. I have no agreement with this company and there talking about a gym membership that was all settled years ago. I called the fitness company and they agreed i do not owe them money according to there records. This collections agency keeps calling me about money i do not know owe. They are saying I owe {$220.00} but this is inaccurate and I owe nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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 without 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 Bum. 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 XXXX 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 XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
I recently had an amount added to my credit report from a company called XXXX. They claim it was from XXXX XXXX XXXX. I have never had XXXX XXXX XXXX. They are trying to get me to pay {$1100.00} and say the account was opened XX/XX/2021. I have filed a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are several addresses found on my credit report which are not mine. I believe they are someone else 's and would want these information removed.

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 2022-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX and Transunion 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 XXXX XXXX : XXXX XXXX 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