vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-16 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: Absolute Recovery Services, LLC
State: GA

Complaint narrative:
Absolute Recovery Services , LLC and XXXX XXXX XXXX are infringing upon my rights to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) YOU HAVE A GRAVE RESPONSIBILITY to respect my rights to privacy. I Did NOT give my writing consent for either of these companies to report anything to my consumer report, and you reporting these accounts to my report is a VIOLATION!!! Pursuant to 15 usc 1681a ( 3 ) ( e ) there is NO reason for you to do investigation, because if anything comes back factual it can not be furnished on my consumer report! SO THE BEST OPTION is for you to DELETE IMMEDIATELY! 

These are the accounts that need to be removed : Account name : XXXX XXXX XXXX Account number : XXXX These are the accounts that need to be removed : Account name : XXXX XXXX XXXX Account number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My case-I opened an online checking account at citi bank on XXXX XXXX .After few days on XXXX XXXX when I already deposited money on it I received a mail that my account is closed and i have to reach out to fraud department. On XX/XX/XXXX After reaching fraud dept at this number they said my account is closed with no clear reason. Upon asking when I can get my money back XXXX $ which I deposited, they started asking my phone number and code I received on my phone. After lot of hesitation in sharing my code I finally did then they asked me to upload my address docs and said after uploading we will send the money. After uploading the docs called again on XXXX XXXX and got same response and asked same address docs to upload. XXXX called on XXXX XXXX they did the same 30+ min process but after showing lot of frustration they told me that I will receive my money within 15 days. After calling again on XXXX XXXX they said my check has resent on XXXX XXXX and will receive by XXXX XXXX. I have still not received any money

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 2021-08-16 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: MD

Complaint narrative:
Equifax is reporting items on my credit report which are inaccurate i have sent them documentation on many occasions from the source they claimed to have verified it from that the information they are reporting is incorrect and they have yet to fix the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
They wont remove hard inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-16 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: DISCOVER BANK
State: GA

Complaint narrative:
They wont remove hard inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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:
Ive sent multiple disputes and 605b letters to Equifax. Equifax refuses to block information from my report. These following 3 accounts are fraudulent. Ive never done business with these companies or entered into a signed contract with these companies.

1. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) {$610.00}. This company did send a copy of a lease, but it doesnt have my signature on it!! It also has the wrong DOB XX/XX/87 is listed on the fraudulent lease. Bout XXXX  & XXXX  have deleted inaccurate information. Please Follow Suit And Delete!! Please see attached Ftc report and Lease page with wrong DOB.

2. XXXX  XXXX ( XXXX XXXX XXXX ) {$590.00} This account is fraudulent. Please delete its been over 60 days its no way you still investigating this. Please follow suit of XXXX  and XXXX  and Delete. 
3. XXXX XXXX {$500.00} this account is fraudulent. Please follow suit and delete this account, XXXX  and XXXX  has removed inaccurate information from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I got my vehicle loan through credit acceptance in XXXX of 2019 before Covid hit. When everything shut down I immediately called Credit Acceptance and spoke with a representative who assured me that my car wouldn't be repossessed and I was directed to call them when I was financially stable enough to resume payments. I was never given anything in writing that my vehicle was being repossessed, and I never received any correspondence from them stating that my loan was in default. They sent a recovery company to pick up my vehicle in the dark of the night and no paperwork was left explaining what had occurred. I thought my vehicle had been stolen. They waited over a year to report anything on my credit report then all of the sudden I get a notice that my credit score dropped over 100 points and that my car was being sold unless I was able to pay the past die of {$10000.00}. The crooked sneaky way they went about it has absolutely ruined my credit due to absolutely no fault of my own. It's not fair and should be removed from my credit report. Credit acceptance is a very bad bad company to deal with and I wish I had never gotten duped into financing through them

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 2021-08-16 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: VA

Complaint narrative:
I am filling a complaint because Equifax has ignored my request to provide me with documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-45 days mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: MS

Complaint narrative:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2018. The bureau reporting is Equifax. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: VA

Complaint narrative:
I am filling a complaint because XXXX  has ignored my request to provide me with documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-45 days mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thanks!

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 2021-08-16 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: VA

Complaint narrative:
I am filling a complaint because XXXX has ignored my request to provide me with documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-45 days mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thanks!

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 2021-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CO

Complaint narrative:
While I was out running errands on XX/XX/2021 I was contacted ( via my cell phone ) at XXXX XXXX by someone named XXXX, claiming he works for XXXX XXXX. He stated that because my account was delinquent, a tech would be at my home within the next 45 min to shut off power. He said I could pay using a credit card, but that would take approx. 12 hrs to process. If I had a Zelle account, the payment would be processed immediately. 
Using my XXXX XXXX account, I made one payment of {$290.00} to : first name : XXXX last name : XXXX XXXX When I gave XXXX the conf. number, he claimed it didn't go through and would I please try again. I sent another {$290.00}. 
The confirmation number I got from XXXX was : XXXX I was contacted at XXXX XXXX, apparently by a " supervisor '' named XXXX XXXX ( phone number XXXX ) who said he had received confirmation from XXXX XXXX that my first payment would be credited back to my account and only the second would be processed. 
When I was able to look at my XXXX account online, it was clear that my account was NOT delinquent and was clearly scammed. I am now out {$590.00} for these two payments through Zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: RICHLAND HOLDINGS, INC.
State: NV

Complaint narrative:
Medical Bill was sent to collect however I continued to receive service and paid medical bill to the company 4 months ago, collection company I sent a letter informing them that I had not contract with them, and wanted verification of the debt, dates of services and I never receive any requested information. I also informed them that this debt had been paid.

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 2021-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
I had a judgement with XXXX  XXXX, and I had paid for a payment protection product that did not cover the 12 months after I lost wages, or was unemployed. This was listed as deceptive marketing practices by XXXX XXXX XXXX. There was restitution paid to the customers with credit card protection between the years XXXX - XXXX. 

The credit bureau appeared to have received information that the debt was satisfied prior to XX/XX/XXXX. The debt no longer listed in the public records but was listed as an adverse account. The time was only 5 years not the required 7 year time frame. 

The lawyer attempted to collect a old debt several times. They filed an income execution and shortly thereafter released from my job in XX/XX/XXXX. And in XXXX they put a hold on my bank account, I had to file a forms claiming the funds were exempt. They attempted to collect exempt funds used to pay for standard living expenses.

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 2021-08-16 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: MD

Complaint narrative:
i submitted a dispute with Equifax and the dispute to more than 30 days so i submitted a 30 day non response they in turn sent me mail other than my disputed results which i have attached i think they are playing with me and i need this corrected asap my previous dispute case # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Asked synchrony bank to validate an alleged debt under the Fair Debt collection Practices Act, company failed to validate and caused serious harm to my credit, also they had no written consent to report on my credit report which constitutes fraud. Also violated my consumer rights which will need to be addressed. violations will be uploaded

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 2021-08-16 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: LA

Complaint narrative:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: AR

Complaint narrative:
Vehicle was repossessed, say I still owe {$3700.00}. I have contacted them several times to try and settle this and make payments of some sort. EVERYTIME Ive been told not handled by this department and moved around till disconnected. The one time I wasnt disconnected I was told that a collection agency was handling it and to call them. I call the collection company and they say theyre not handling it anymore and its been sent back to the financial institution. I filed a complaint with XXXX it it still remains and I cant get this debt settled. This is holding my credit score back! I need it gone!

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 2021-08-16 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: MS

Complaint narrative:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2018. The bureau reporting is XXXX and XXXX. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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:
I have attempted to get several fraudulent accounts removed or blocked from my credit report.I have included the police report and they refuse to remove or block these items. The following accounts are accounts that are fraudulent/idenity theft and should be blocked XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Business Credit Card Balance on XXXX XXXX XXXX Credit Limit {$2700.00} {$2000.00} Credit Card XXXX XXXX XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$3100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am XXXX XXXX. I am submitting this complaint on behalf of myself, no third party involved. XXXX of XXXX I began the dispute process with Equifax over 3 unverified accounts in collections on my report. I disputed all 3 accounts from XXXX XXXX because all accounts were unverified. I received no responses from the first investigation. I repeated the process with 3 more rounds of disputes, a total of 4 rounds of disputes in an attempt to resolve the discrepancies with the company. Each time from rounds 2 through 4 they provided invalid forms of proof in order to justify illegally reporting these accounts on my credit report. Each time their willful and improper investigations yielded no VALID forms of documentation as required by the FCRA under section 611 to provide proof that the debt is in fact mine. There must be an original document consumer contract containing my signature on it in order to verify the account and legally report it. The dispute process with the company ended XX/XX/XXXX without remedy. My account has had these collections since XXXX and for several years has damaged my credit and negatively impacted my life. Im homeless and have been unable to obtain housing for years because of the illegal practices ruining my credit caused by Equifax. Ive exhausted all options with the company and they have repeatedly dismissed my valid disputes over my credit report. Roughly cost {$120.00} to dispute with Equifax for printing, copying, postage, and notarizations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: MS

Complaint narrative:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2018. The bureau reporting is XXXX and TransUnion. Thank you!

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 2021-08-16 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: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is ALLY FINANCIAL. The inquiry date is XX/XX/2018. The bureau reporting is XXXX and XXXX. Thank you!

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