vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-22 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:
XXXX is not complying with their own policies in a timely manner. I mailed a letter with the date of XX/XX/2021 outlining all incorrect information regarding several accounts on my credit report. Then I followed up with another letter to the credit bureaus that has the date XX/XX/2021. Theres still no final resolution or response regarding the incorrect information that is on my credit report from the credit bureaus. Also another letter was marked XX/XX/2021 to remove inaccurate credit information and I havent received any response regarding the letter marked XX/XX/2021. I see multiple FCRA violations and misleading false information thats being reported from several accounts. Also XXXX and Equifax is sharing false information that is being reported on my credit report. This information is false and also a violation of my character and my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
I apply for a loanme XX/XX/XXXX for {$2500.00} at {$300.00} a month of payment feed for 12 months the company contacted me around XX/XX/XXXX about some other company will be colllecting payment on the my personal loan as of XX/XX/XXXX the balance was {$1200.00} I made A paymnet of {$300.00} XX/XX/XXXX and XXXX on XX/XX/XXXX on XX/XX/XXXX I contected loanme to make a payment loanme inform me that the my account was charge off without inform me and after I made a payment XX/XX/XXXX and XX/XX/XXXX I contected the collecting agence the inform the loan said my last payment was made XX/XX/XXXX will I have made 2 payment XX/XX/XXXX and XX/XX/XXXX and don't understand why loanme charge off my account and I was make payments and loanme said my bal was {$1500.00} and bal as my understanding should be {$750.00} after I made the 2 payment XX/XX/XXXX and XX/XX/XXXX I ask for my paymnet history they inform me they don't have my payment history because they charge off my account why I would like to happy my chargeoff recalled and my payment history and my corrected bal Loanme Account # XXXX PH # XXXX Collection Company XXXX Account # XXXX PH # XXXX Please Help Thank XXXX XXXX XXXX PH # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I created PayPal account and I was permanently limited for no apparent reason. I haven't done anything. They just permanently limited me right upon signing up. I don't know why this happened but this is very suspicious. I hope this is not racially motivated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Advanced Collection Bureau, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Advanced Collection Bureau INC XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/21 Acct # XXXX Re : CEASE and DESIST To Whom It May Concern, I am the original creditor, consumer, and natural person XXXX XXXX XXXX. ADVANCED COLLECTION BUREAU INC has damaged my name and reputation. Your corporation has displayed offensive acts towards me as a consumer and such unauthorized use that didnt serve me any benefit.

You violated my right to privacy 15 USC 1681b. You also violated 15 USC 1692c ( C ) and lastly youre currently in violation of 15 USC 1692e, false representation. 
Pursuant to 15 USC 1692c ( C ), I am notifying you and demanding that you cease all communication with me through all mediums UNLESS your corporation is describing to me the direction of which you intend to send my remedy back to me.

Pursuant to 15 USC 1692c ( C ) 2- I am invoking my specified remedy as the original creditor and federally protected consumer, I am demanding the following : 1. Deletion of this account from all my consumer reports and to stop reporting illegal activity on my files.

2. Refunding my credit in the amount of {$3500.00} as per 15 USC 1635, I have the right of rescission and shall receive all money involved in the form of a check, to the address in this letter. 
Best Regards, XXXX XXXX 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 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: GA

Complaint narrative:
LexisNexis is violating my right to privacy according to 15 USC 1681 ( a ) ( 4 ) and has had no permissible purpose to STEAL MY IDENTITY according to 15 USC 1681b ( a ) ( 2 ) they have caused me a ton of distress with seeking employment and financing in these hard times. They are causing me to lose sleep and not advance in life. I need help! As a 3rd party data furnisher I did not give them permission to use my identity for their financial gain!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.
State: IN

Complaint narrative:
I was contacted by AFNI in early XXXX referencing a credit report entry from XX/XX/XXXX suggesting that I owed {$540.00}. I responded by sending a letter dated XX/XX/XXXX requesting to settle the debt. I requested that I received correspondence with 15 days of the offer to settle otherwise I would require a full verification of debt from the collection company. I did not receive a verification of debt at all. XX/XX/XXXX, I received a letter from AFNI stating that it was not handling the account and the entry on my credit report would be removed. I found that the collection was no longer on my credit report. A day or two later I received a letter from XXXX XXXX XXXX XXXX stating that the same account number was placed with them for collection and if I fail to pay the obligation a negative credit report may be submitted which feels very threatening. The letter also stated that I can dispute/ ask for verification but I could be sent a copy of a judgement or a verification. I will send the dispute regardless but the fact that I never received a verification from the first collection company doesn't give me evidence that I'll receive verification from the second one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XXXX XXXX I mailed notarized disputes to each of the credit bureaus after reviewing my reports and noticing some inaccuracies. It has been 90 days and still no response. In addition I called on today and they claimed to have never received them. I am well aware that by law the bureaus are allotted 30 days to conduct and investigation and respond. It has been triple that amount of time and I feel like that this is a gimmick to prolong and or avoid responding to my disputes. By law these items need to be removed completely! Each of the bureaus have already violated my rights as a consumer. 
I have attached the referenced disputes to this complaint in hopes that this will make this comply with the LAW! I will proceed with litigation if we can not come to a resolution in a reasonable timeframe.

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 2021-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
Several requests have been sent to this Debt collector. This is the formal complaint against BULL CITY in regards to acct # XXXX. 
I have not received any response, for the company has failed to comply or adhere to my previous request that was sent by certified on XX/XX/2021. By not replying they have failed to adhere to the FCRA by not responding within 30 days nevertheless 60 or 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hello, Thank you for reaching out to me regarding my credit situation. The main reason for me reaching out is because of a recent auto repossession ; it is not the typical repossession. The contract from XXXX on a XXXX XXXX, now with XXXX miles, discovered duplicate monthly payments from two separate accounts. The finance company Capital One Auto Finance in XXXX, TX, did not accept admitting to the duplicate charges. Despite my many unsuccessful attempts, including scanned and faxed bank statements. I reached out to the bank, the OCC, and FTC. The P & I paid a total of over $ XXXX in that period. Since COAF ignored my claims, so was the account. Until they closed the and wrote off the account, that is how it reflects on the credit report.

Along with a Credit Repair service contracted to help by sending COAF letters disputing the account. On XX/XX/XXXX, during a pandemic and recent power outage. The car in the driveway, while charging my phone, a tow truck pulls in and attaches it, and tows it away. Now COAf is charging the alleged $ XXXX balance and repo service feesa snapshot of the current credit situation. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: PNC Bank N.A.
State: GA

Complaint narrative:
Secured credit card was opened with PNC bank in XXXX. Account was opened fraudulently. The account began reporting as charged off in XX/XX/XXXX. From that point until XX/XX/XXXX, the account reported as a charge off. On my credit report, it is reported as XXXX charge offs for the amount of {$9.00}. PNC is only reporting this account to XXXX and XXXX, not XXXX  ... Ive reached out several times to PNC to tell them of the error. I have filed complaints and challenges previously as this issue has become extremely burdensome.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: Bliksum, LLC
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: MA

Complaint narrative:
I see multiple 60-30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian have reported a 30-day late payment indicator on my credit report with the creditor ( XXXX XXXX , Also, know as XXXX XXXX XXXX ) , which is incorrect and is currently showing on my credit report. I have never paid 30-days late and when I contacted XXXX XXXXl , they said that their system is not showing it and that they did not report that 30-day indicator on the account. This is the 2nd time that this done happened to me where XXXX XXXX XXXX have reported that incorrect information of having reported a 30-day late indicator, which I had to dispute this issue before. I want this issue corrected immediately because this is negatively affecting my credit rating with Experian, XXXX, and 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 2021-09-22 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: PA

Complaint narrative:
I submitted a disputed and FTC report for fraudulent hard inquiries on my credit. They have not been removed. 

Transunion : XXXX XXXX XXXX XX/XX/2021 XXXX  XX/XX/2021

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 2021-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
National credit systems is a third party collection agency, that have information illegally of mine, any one on can obtain information of a person Im not obligated in any way or form Show proof that Im obligated in writing that I bind to pay you National credit systems

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: PA

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

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 2021-09-22 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: CO

Complaint narrative:
I have 2 late payments on my account because I attempted to pay it online repeatedly for an account that has been closed for 5 years but it is still effecting my credit score. I kept getting kicked off the site because of technical issues. I attempted to make my payment by using my phone at the time even since the website was having issues but was unable to because of the excessive long wait time. By the time I had time to make the payment the payment was late even though I emailed the company to assist me. They never called or sent me a bill in the mail so I had no other way of paying it. I have tried repeatedly to have the company remove the late pay history since its effecting my score and wasnt really my fault its just a difficult website. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. 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 2021-09-22 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: EQUIFAX, INC.
State: LA

Complaint narrative:
On XXXX XXXX I mailed notarized disputes to each of the credit bureaus after reviewing my reports and noticing some inaccuracies. It has been 90 days and still no response. In addition I called on today and they claimed to have never received them. I am well aware that by law the bureaus are allotted 30 days to conduct and investigation and respond. It has been triple that amount of time and I feel like that this is a gimmick to prolong and or avoid responding to my disputes. By law these items need to be removed completely! Each of the bureaus have already violated my rights as a consumer. 
I have attached the referenced disputes to this complaint in hopes that this will make this comply with the LAW! I will proceed with litigation if we can not come to a resolution in a reasonable timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: GA

Complaint narrative:
You are in violation of the Fair Credit Reporting Act for unlawfully obtaining my consumer 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 2021-09-22 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Contacted Equifax several times to dispute many duplicate credit inquiries ( 12 total ) from XXXX XXXX XXXX XXXX, Only ( 1 ) of these many inquiries were made outside of XX/XX/2020 and should be deleted for the reason of duplicate credit inquiry entries within a certain period of time. 

Equifax is able to see all of these inquiries and dates but have refused to take immediate action to delete these entries but instead placing the burden on the individual disputing the item ( s ) to complete a burdensome process. 

Lenders can confirm current or previous credit requests for customers but instead contribute to lowering consumer credit report scores by fraudulently processing multiple credit inquiries. 

Credit bureaus should also provide consumers the right and a way to dispute inquiries within their credit report files such as other account dispute processes either online or over the telephone with a representative..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: OK

Complaint narrative:
In XX/XX/2021, I sent a total payment of {$830.00} in full settlement of the amount reported to the credit bureaus. I noticed few weeks later that the collection agency reported receipt of {$750.00} contrary to the money order sent. I sent evidence of the payment to Experian and XXXX credit reporting bureaus however, their conclusion did not change the negative report on my credit report. 

The collection agency reported to Experian and XXXX that I still owe XXXX XXXX XXXX ( Original owner of the account ) {$87.00}. This is an abuse of customer right to fair report as full payment was made as full settlement. An amount of {$87.00} as still owed was reported by the collection agency to the credit bureaus. I have disputed this claim multiple times with Experian and XXXX and nothing has changed despite compelling evidence submitted to the credit reporting 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 2021-09-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
EQUIFAX violates my consumer right to privacy under the FCRA,15 USC 1681 ( a ) ( 4 ), EQUIFAX willfully causing me harm and mental anguish by reporting invalidated accounts information on my consumer report without my written instructions and consent as mandated under 15 USC 1681b ( a ) ( 2 ).

EQUIFAX never provided me with a notice of negative information in writing as mandated under 15 USC 1681s-2 ( 7 ) ( A ) ( i ) and 15 USC 1681s-2 ( 7 ) ( B ). My federally protected right have been violated in multiple counts, EQUIFAX is intentionally, willfully and knowingly ruining my reputation and my credit. ( Please see attached filed for more details )

Company response to consumer: Closed with explanation