vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-21 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: CITIBANK, N.A.
State: VA

Complaint narrative:
This letter is regarding account # XXXX, which you claim my account was late 4 times. My CREDIT CARD account was NEVER LATE and the status should be CURRENT. It is reporting incorrectly on 2 Credit Bureaus ( XXXX and XXXX ) and reporting correctly on XXXX This account should not have ANY late payments AT ALL. I am in the United States XXXX and this account is affecting my ability to secure a Mortgage and could potentially mess with my XXXX XXXX. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. -- Very Respectfully, XXXX 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 explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Bridgecrest Acceptance Corporation
State: WA

Complaint narrative:
I refinanced my car with XXXX XXXX and the payoff check has been sent in twice now, neither time has the check been cashed and I've received Calls demanding payment or telling me that my credit score will be compromised and my car repossessed despite the fact that the company is simply not cashing the buyout checks. The first buyout check was sent in XXXX, was not cashed and therefore after a month a stop payment was placed on that check. Another check was sent to them on XXXX and I have confirmed receipt on XXXX from my refinance company who has the tracking information from XXXX that it was delivered. I am told that the hold up is because my refinance company hasn't issued a new check which is false. I also was contacted by Bridgecrest to inform me that the check was received and that there was a {$140.00} or so difference between the check and the actual buyout amount which I paid over the phone and was told that my account was resolved. You can even see on my loan payment history that the buyout check was applied and then removed and further late fees were assessed after that happened as well. My refinance company tells me that they have a number of clients that this very same situation is happening to with regard to refinance from Bridgecrest specifically and frankly it feels like retaliation for refinancing my vehicle. I need this issue to be resolved with no detriment to my credit. I am being fed contradictory information from my original financer ( Bridgecrest ) and my new financer company ( XXXX XXXX ) is very frustrated at this situation as well as they are dealing with a number of accounts experiencing this exact issue.

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 2021-08-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
XX/XX/2021 CAPITAL ONE has received notice of documents ( certified mail/return receipt ) I the consumer have sent a validation of debt letter to CAPITAL ONE. A cease and desist pursuant to federal law 15 usc 1692c ( c ) has been sent with my specific Demand to remedy pursuant to 15 usc 1692c ( c ) ( 2 ) with removal of all my private information from all the credit reporting agencies. CAPITAL ONE has also received my affidavit of fact stating they are in violation of federal laws pursuant to the fair credit reporting act. CAPITAL ONE has given my private information to non-government organizations without my direct consent. Pursuant to 15 usc 1681b ( a ) ( 2 ), CAPITAL ONE has reported private information and as a federally protected consumer I have a right to privacy pursuant to 15 usc 1681a ( 4 ) and my right to privacy has been violated. CAPITAL ONE is in violation of 15 usc 1681b ( a ) ( 2 ) permissible purpose, they do not have my direct written consent to list any information about me the consumer and so the information can not be furnished to a credit reporting agency. CAPITAL ONE has been instructed by myself the consumer to remove all of my personal/private information from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 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: CT

Complaint narrative:
Lost my lic. and birth certificate and checked my credit report and noticed that there were so many changes that I did not make. There are two names that are not mine, the report says that I am retired, I work full time. Numerous accounts are taken out and that is negative.

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 2021-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I had a bankruptcy fall off my report and my score went up 60 points. A week or so later, my score went back down the exact amount of points. I looked at my credit report and the bankruptcy is no longer there, so why didnt my credit score go up and stay up?

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 2021-08-21 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I had a bankruptcy fall off my report and my score went up 60 points. A week or so later, my score went back down the exact amount of points. I looked at my credit report and the bankruptcy is no longer there, so why didnt my credit score go up and stay up?

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 2021-08-21 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
This letter is regarding account # XXXX, which you claim my account was late 1 time. My Credit Card with a balance of {$250.00} account was NEVER LATE and the status should be CURRENT. It is reporting incorrectly on all 3 Credit Bureaus ( XXXX, XXXX  and XXXX  ). This account should not have ANY late payments AT ALL. I am in the United States XXXX and this account is affecting my ability to secure a Mortgage and could potentially mess with my XXXX XXXX. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. -- Very Respectfully, XXXX 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 2021-08-21 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: CT

Complaint narrative:
Lost my lic. and birth certificate and checked my credit report and noticed that there were so many changes that I did not make. There are two names that are not mine, the report says that I am retired, I work full time. Numerous accounts are taken out and that is negative.

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 2021-08-21 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: CT

Complaint narrative:
Lost my lic. and birth certificate and checked my credit report and noticed that there were so many changes that I did not make. There are two names that are not mine, the report says that I am retired, I work full time. Numerous accounts are taken out and that is negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Hello, I made a payment for my leased Vehicle on XX/XX/XXXX and it was taken from my bank account. Per GM when i looked at my credit report it was reporting late when in fact on the website it reflects the payment was processed. I went to my bank, got a copy of my bank account and a personal banker faxed it on my behalf. I reached out to GM once again and they advised to call back in 5-7 business days and they will correct the payment. It has now been longer and they did not remove the negative remark from my credit nor have they applied the payment. My credit score is well above 750 and this negative remark has caused a burden on the financial stability i can offer my family. I am not the average consumer and have never been late with any payment. I am requesting GM to apply the payment with the proof i have submitted along with taking off the negative remark from my report. The information on the website of GM also contradicts what they are reporting to my credit. Please ask them to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I disputed this public record reporting in error and asked for an investigation, verification, and deletion over 6 months ago. The Credit Bureaus have NOT provided verification per the FCRA and falsely stated that the courts verified this public record, however, enclosed in a letter from the courts stating that they DO NOT verify anything with 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 2021-08-21 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:
I disputed this public record reporting in error and asked for an investigation, verification, and deletion over 6 months ago. The Credit Bureaus have NOT provided verification per the FCRA and falsely stated that the courts verified this public record, however, enclosed in a letter from the courts stating that they DO NOT verify anything with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 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: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Yes there's a company on my credit report that I don't know. I asked the creditors to have them to provide the I.P address and they couldn't but still on my report when I gave them 30days to give proof. The company is Midland. They need to give the information that I asked them to give to the creditors but hasn't and still on my report I asked to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have inquires on my Equifax Credit Report that I do not recognize and Equifax refuses to remove these from my file. They told me to contact each creditor specifically in which I did. The creditors told me I had to contact Equifax and they were the only ones to remove these. I contacted Equifax again and they refuse to remove these. I stated numerous times that according to the FCRA if these inquiries were unauthorized that legally they had to remove them and once again they refused. 
XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 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: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
This company continuously dialed my phone number after being told not to, in direct violation of the telephone consumer protection act. Moreover, I did not give this company any permission to EVER call me, nor did I provide this company with any number to call me. 

Next, I do not have a direct contract with this company for which they are attempting to collect. Moreover, they have reported this erroneous account to my credit file, which is negatively impacting my credit score, during the midst of a COVID-19 Pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 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: GA

Complaint narrative:
I recently obtained my credit report and there are fraudulent inquiries and when I called them the issue wasnt addressed. Transunion responded and said they will look into it, I called a week later to see why they didnt remove them the agent refused again but did take the names and date of the companies on my report that I said were fraudulent. These inquires need to be removed and the inquires that are question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Thrivepoint Financial Holdings, Inc.
State: IA

Complaint narrative:
In XXXX of XXXX I contracted with XXXX XXXX XXXX XXXX , XXXX of XXXX XXXX, Iowa for installation of appliances. At the time of their estimate in XXXX, I was offered an opportunity by them to enter into a Retail Installment Contract using XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX  ) to finance the project. The work was completed in XXXX of XXXX. At the time of entering the contract, I was required to provide my credit card information to the sales representative. I understood the monthly payments were to be made on the credit card automatically. I received no communication from XXXX regarding any delinquency of payments I received no notice of assignment to a new servicer. It was not until XX/XX/XXXX, as I was applying for financing to buy another property, that I discovered from my lender that XXXX had placed negative marks on my credit report of 30, 60, and 90 days for failure to make monthly payments on this contract. 
This was shocking. I had never received any notifications either in the mail, electronically, or via telephone that I was delinquent, or that the account was being transferred to XXXX XXXX. 
I have been in communication with XXXX XXXX, and have paid the loan in full. XXXX advises that they are not able to remove the negative credit reports because they did not have the loan at the time it was being serviced, and did not make them. In calls to XXXX  their operator claimed an inability to remove the negative reports because they " no longer service the loan ''. I have written to them requesting this these negative credit reports of 30, 60, and 90 day delinquencies be retracted from my credit report by them. They are unresponsive. Calls are continually rerouted. My new lender indicates they have the ability to remove these entries from my credit report. I now discover from the new lender that my current loan application is being rejected because of the reports made by XXXX were classified as failure to make " mortgage loan '' installments. This was not a mortgage loan! By not accurately reporting them as " retail '' installment installments, I am being denied financing because missed mortgage loan payments are negatively more weighted than installment loans. I have pleaded with XXXX remove the reports. Removal is appropriate because XXXX did not communicate or give me any notice regarding this this account. Even more importantly, THEY DID NO? T REPORT THE CORRECT CLASSIFICATION OF THE LOAN. Had I not inquired of my new mortgage lender, I may not have known of the delinquencies until a small claim was brought. Everything led me to believe it was being paid monthly via credit card. 
I have made many calls to XXXX XXXX XXXX XXXX XXXX. They do not respond.

Company response to consumer: Untimely response
Consumer complaint received 2021-08-21 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: TX

Complaint narrative:
I have been disputing inaccurate information being reported to my credit report and XXXX, Equifax, and XXXX  have failed to properly investigate this account XXXX XXXX as per FCRA guidelines and continue to report false information to my credit report!

Company response to consumer: Closed with explanation