vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-18 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:
Equifax, if the mortgage account with XXXX dba XXXX XXXX # XXXX is not corrected to OPEN, then the next correspondence will be from my attorney. 
I have dispute this 4 times now. See attached Equifax dispute results. nothing was corrected. And yes, I have disputed with  XXXX, but I am not allowed to actually speak to anyone in their credit reporting deptso my dispute is going nowhere. 

**See my attached mortgage payment receipts for XXXX, XXXX, and XX/XX/2020. I pay this account every month! It is OPEN. And there have been no late payments past 30 days, ever. 

*I also disputed this again online XXXX, and provided all these documents again online as well. 

Please correct my Equifax credit report to show mortgage account with XXXX dba XXXX XXXX # XXXX as OPEN, not Closed. And on-time payments through XX/XX/2020. 

*I have provided PROOF that this account is Open & current on payments multiple times, not Closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 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: CORELOGIC INC
State: VA

Complaint narrative:
I am requesting XXXX  Credit Bureau to remove the Hard Inquiry from my file and complaining against a company called CREDCO for making an unauthorized inquiry into my credit file ( s ). On XX/XX/2020, my XXXX credit information shows that a company named CREDCO made a Mortgage Inquiry by checking my XXXX    Credit File ( and most likely that at the other two reporting bureaus ). Experian advises that this inquiry was a hard inquiry. I don't recognize authorizing that company to run my credit for a Mortgage application. I am also afraid that this could be an attempt at identity theft because  when I called the company 's phone number provided in XXXX   online platform, the number appeared to be invalid. 

CREDCO 's information as seen in XXXX  's online platform : CREDCO, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Tel : ( 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 2020-10-18 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: NY

Complaint narrative:
As recently notified, I am a victim of identity theft

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 2020-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are multiple misspelling of my name and wrong addresses on my credit report along with my employment history being incorrect.

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 2020-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
The collection information below appeared on my credit for equipment I already turned in to XXXX XXXX XXXX. I received one letter from a Collection company called XXXX XXXX XXXX   who apparently turned this false information over to another  place called Amsher Collections. I called XXXX three times now about this, once when I first received the letter and a second time to follow up when they gave me their word they word take care of it. If I owed anything it would show up since I still have service with them. The initial claim was for supposed equipment they said I still had ; I move from one apartment to another in the same complex back in XX/XX/2020. I would not have been able to get and continue service with them if I owed them anything. All along they show I owe nothing equipment or otherwise. This is now on my Credit as a hard, derogatory mark ... and of course no one is in a hurry to correct this mistake!! It is wrong this can continue against my clean record at all credit bureaus and I am suffering the consequences!!! 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- COLLECTIONS {$160.00} Reported balance Check if you should dispute to remove incorrect information. 
AMSHERCOLLECTIONSERVICES {$160.00} Needs attention HIGH IMPACT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 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: CA

Complaint narrative:
Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by EQUIFAX regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX and closed. 

EQUIFAX violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$26000.00}. A Charge Off/Close Account must show {$0.00} balance. 

2. Delete this account, because it shows a Past Due Amount {$26000.00} and a Charge Off/Close Account must show {$0.00} Past Due. 

3. Delete this account, because it shows Payment History reported consecutively as Charge Off - L in XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX year ; XXXX year ; XXXX year ; 30 days late XX/XX/XXXX ; 60 days late XX/XX/XXXX ; 90 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX. A Charge Off/Close Account must show NO Payment history or consecutively as C/O reported on my credit report. 

4. Delete this account, because it shows Credit Limit {$24000.00} on a charge off close account. 

Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my EQUIFAX Credit Report and circled the violations, EQUIFAX violated in red color. 

EQUIFAX must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. 
I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
Ccs collection claim I owe {$660.00} never heard of company or did business with them

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 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: OH

Complaint narrative:
ive disputed 14 times thru equifax trying to explain there the problem due to no information on my report as well as any creditor ive applied for credit has denied me due to equifax not supplying them my report yet after 5 calls to equifax theY still tell me its fine and theres no problem. when i sign in to there site to see my score and report its blank. ive disputed 14 times plus called as well as contacted your office which has not done anything either after 4 times attempting to get you to investigate to no avail. i willupload my screen shots of my blank reports that they replied saying i need to be specific about who and what im disputing. how can i be specific when there is not one name or balance nor creditor for mortgage, car, credit cards are even reported so How can i get this matter fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
On XX/XX/2020 I Purchase a stackable washer and dryer. From XXXX XXXX Acima did the finance. Once it arrived I told the delivery guy that I refuse the delivery he said to me that he was going home he was The mechanic not the delivery guy. For me to call the store XXXX give me a discount he be telling people that these appliances are new knowing that they arent. So on XX/XX/2020 on a Sunday. I calls and someone answers the phone and tells me to call back Monday. So I called back XX/XX/2020 explain to the store and was cussed out and was told I have my money take it up with the financial company then hung up on. So I called Acima XX/XX/2020 explain to them what was happening. They give me there website to submit pictures and I did.I explain to them how dented up it was I couldnt use the dryer the tub would hit the side it was dented so bad. The washer leaks and doesnt fill completely up I kept calling finally someone calls me on XX/XX/2020 telling me that they will give me a XXXX dollars check and I pay the remaining bill a total of XXXX. I explain that the washer and dryer is not working I shouldnt have to pay for something that doesnt work. Since I refuse the offer I was left paying XXXX for a appliance that doesnt work and is expect To pay for. I dont mind for paying for what I need and works but to give away XXXX and still have to buy one To fit my family accommodation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
Santander shows 7 late payments on credit report, asking for forgiveness on late payments promised to be on time moving forward until end of loan, trying to buy house

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 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: CITIBANK, N.A.
State: VA

Complaint narrative:
MACY 's has reported a result of miscommunication as failures to make payments : I recently returned from a three-year XXXX   XXXX  in a remote area in XXXX and discovered that MACY 'S has reported two late payments to the credit bureaus ( XXXX XXXX, and XXXX ) despite the circumstances surrounding what I consider to be a miscommunication. I had just opened the MACY 's credit card account in the summer of 2017 and was still awaiting the very first invoices through the mail when I departed in early XX/XX/2017 for an overseas military XXXX. I later received all of my late mails as it's usually the case for military personnel XXXX in remote locations and MACY 's invoices were among them. I immediately made the payments and called the customer service a MACY 's to explain the situation. Despite their reassurance, MACY 's still reported the late payments and they have been affecting my credit negatively until now when I discovered the entries when reviewing my XXXX credit 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 explanation
Consumer complaint received 2020-10-18 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: MO

Complaint narrative:
I filed a dispute with Transunion regarding inaccuracies found on my Transunion credit report. Transunion claims they did an investigation and updated the accounts, did not provide me with physical documentation substantiating their investigation. The accounts are still inaccurate and are a violation of the FCRA

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 2020-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Emergent Business Group, Inc.
State: MN

Complaint narrative:
I received a letter from Emergent Servicing which has several negative reviews online so I do not want to call them and request debt validation. The letter says the current creditor is XXXX XXXX, whom I have never heard of or heard from. Emergent Servicing have also been calling and threatening with attempts to deliver documents to my address. This letter is vague and to my knowledge, I no longer have any outstanding debts as I have paid off everything outstanding on my credit report over the past 2 years and have a much better handle on my finances now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 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: NY

Complaint narrative:
As recently notified, I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 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: NY

Complaint narrative:
As recently notified, I am a victim of identity theft

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 2020-10-18 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: ID Analytics, Inc.
State: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 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: MO

Complaint narrative:
I filed a dispute with Experian regarding inaccuracies found on my Experian credit report. Experian claims they did an investigation and updated the accounts, but did not provide me with physical documentation substantiating their investigation. The accounts are still inaccurate and are a violation of the FCRA

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 2020-10-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Consumers Inc
State: VA

Complaint narrative:
received this united consumers inc in the mail today, never received any medical treatment at XXXX emergency physic, and dont why im being billed and or this collection company is mailing me this debt bill. 

I am XXXX percent totally permanent XXXX veteran that all medical bills and services at XXXX XXXX XXXX outside of VA Hospital has been approved by the VA sent to Veterans Administration. XXXX XXXX XXXX knows

to send all medi cal bills to Veterans Administration. please investigate

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 2020-10-18 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}, {$0.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this  information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

-- PERSONAL ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I applied a Chase Sapphire Preferred credit card on XXXX XX/XX/2020 in a chase branch ( Address : XXXX XXXX  XXXX XXXX, XXXX, FL XXXX ), but the banker who served me got my address wrong. She failed to make my mailing address appear in Chase 's system.And I realised it and updated my address on XX/XX/XXXX ( the reason why I realised it so late was becuase this banker failed to submit my prove of address and the duplicate of my social security card ), and they promised me that the credit card will be delivered to the update mailing address, but it was still delivered to the old address. So I have a cerdit card mailed to the wrong address after I update my address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-18 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$25000.00}, {$9500.00}, {$0.00}, {$0.00}, {$400.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this
information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

2. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX BANK with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account.

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