vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Self Financial Inc.
State: FL

Complaint narrative:
When I first signed up for Self I paid three months in advance. My account was originally supposed to end in XXXX of XXXX, however, since I paid three months prior, it ends in XX/XX/XXXX. Self is reporting to the Credit Bureaus that I have been late for the Month of XX/XX/XXXX BUT as I stated before, I paid three months prior. So youre meaning to tell me my account ends early since I paid three months in advance but its not eligible to be reported as PAID in XXXX. It makes no sense whatsoever! I have sent a GOODWILL request to remove the FALSE INFORMATION that is being reported but theyre not complying. Theyre stating my account is only eligible to be paid one month in advance. If thats SO TRUE, why is my account ending in XXXX OF XXXX if its supposed to end in XX/XX/XXXX if you all dont accept three months in advance payments? This FALSE late payment on my credit profile is hurting my reputation to other companies when in fact I have paid my account not only ON TIME but 3 months in advance early! Please have this issue resolved as it is not fair and accurate to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Incorrect Information listed.

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 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Fo XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Fo XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Fo XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
This company has committed fraud and aggravated identity theft by acting on my behalf with my data pursuant to 18 USC 1028. They brought my data from a defaulted note purchased from XXXX XXXX XXXX  XXXX XXXX buying defaulted notes is a violation of UCC 9-110 and UCC 2- 401.They use the Credit Reporting Agencies to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. Apparently this company is a third party debt collector who unlawfully and illegally brought a defaulted note. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. I have no contract with LVNV FUNDING LLC. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ). LVNV FUNDING LLC can not and will not ever produce a contract between me XXXX XXXX and LVNV FUNDING LLC because that contract does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Hello and thank you for your assistance in this matter. I am a victim of Transunion 's " inquiry issue.I called Customer Service at Transunion and shared with them how 3 inquiries showed back up on my credit report and they kept telling me I needed to get a letter of deletion from the creditors. I explained to them I shouldn't have to and then I asked them to please investigate it and she said no I need the letter of deletion from the 3 creditors first. PLEASE HELP.

the 3 creditors are : XXXX XXXX XXXX XXXX XXXX XXXX card services

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 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Portfolio Recovery is furnishing inaccurate and erroneous information on my consumer report which is severely damaging my mode of living. I have requested documentation from them on this said alleged debt with no response. I want this account removed from ALL CRA 's immediatly or i will be seeking an attorney to handle the situation for me. I have let this company know an 2 occasions that this account should not be on my consumer reports yet they refuse to remove it. 
Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I MAILED IN MY DISPUTES WITH ACCOUNTS THAT WASNT MINE, NOBODY RESPONDED.

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 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I MAILED IN MY DISPUTES WITH ACCOUNTS THAT WASNT MINE, NOBODY RESPONDED.

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 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The account was paid as I agreed. When the account was paid off, the company reported the account late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND

Complaint narrative:
Hello, my name is XXXX XXXX. I have been learning about my consumer rights and reaching out to the agencies that are reporting my information to please make corrections. I now understand what a grave responsibility they have to be accurate and fair. 

I am finding I get ignored, and this is the case with this complaint. I recently asked Capital one to remove a late payment showing on my account because I was in good standing and I did not give them permission to report this account as late ever. 

According to my consumer rights located in 15 United States Code 1681b they have to have my written permission in order to put this on my credit report and they did not have that. Nor did they have permission to show my balance either. I have reached out to them and asked and waited for their response. There was no change. 

Please help me get this removed right away. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
Frequent calls received from Harris & Harris at my work number. I have called back to the number left on the voicemails but get transferred from person to person and then disconnected. Calls received at the following times and dates : - XX/XX/2022 XXXX XXXX  XXXX - XX/XX/2022 XXXX XXXX  XXXX - XX/XX/2022 XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc.
State: WA

Complaint narrative:
I was contacted by someone claiming to be a new service called " XXXXXXXX XXXX '', and that they knew I was having issues with XXXX. Which I was ; as they were sending leads outside of hours I posted. The person made it seem like they were a competitor of XXXX and had better systems. 

I was told I could pay an annual membership to join XXXX XXXX, and they would deal with XXXX for me. 

I advised that I could pay the one time annual fee on a personal card ; but would not be able to set my account up yet, as we were in transition and opening a second location and I would not be able to start taking new clients until that was resolved. 

Multiple documented tragedies and many months later, I am now ready to add another 27 clients this morning and discover that I am being charged XXXX for XXXX  sent to an old number on a " new account '' XXXX XXXX  created from my OLD XXXX XXXX information. 

Not only am I being charged for purchases I never authorized.. I am now in collections as of XX/XX/2022. 

My business number is completely different from the number they sent the referrals to. 
I have no idea what zip codes or services they offered. Nor do they have my business billing information. 

I was trying to finally activate and set up my account on XX/XX/2022 to add the 27 new clients when I learned they had done this AND put me in collections as of XX/XX/2022. 

I tried multiple times to resolve this when I discovered it on XXXX with XXXX XXXX. As well as McCarthy, Burgess & Wolfe their collection agency. 

I didn't buy these leads, I shouldn't have to pay for them. 
It is bad enough my business reputation was maligned by them offering/selling my services to clients that never had a shot of an appointment. 

My business DID NOT receive any business from them. We have not started any new clients, as we have been dealing with treading tragedies in at least 6 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Packers HC LLC
State: AL

Complaint narrative:
The account was paid as I agreed. When the account was paid off, the company reported the account late.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
They're are these Hard Inquiries on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX XXXX  XXXX XXXX These are all wrong , and I wasn't made aware of till now and it Is affecting my credit.

Company response to consumer: Closed with explanation