vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The credit Bureaus have ignored my request for their methods of verification regarding accounts that are inaccurately reporting on my credit report. I am aware that according to the FCRA the Bureaus are required to provide such methods if requested by the consumer. Instead they choose to blatantly ignore me and my request all together forcing me to take additional measure such as filing a complaint. 

I'm exhausted and simply want to correct any errors and inaccurate reporting on my credit report but they aren't conducting real investigations. They're only providing automated responses which is doing harm to my credit because I am not able to have these issues resolved.

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 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The credit Bureaus have ignored my request for their methods of verification regarding accounts that are inaccurately reporting on my credit report. I am aware that according to the FCRA the Bureaus are required to provide such methods if requested by the consumer. Instead they choose to blatantly ignore me and my request all together forcing me to take additional measure such as filing a complaint. 

I'm exhausted and simply want to correct any errors and inaccurate reporting on my credit report but they aren't conducting real investigations. They're only providing automated responses which is doing harm to my credit because I am not able to have these issues resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: AmeriCollect
State: FL

Complaint narrative:
Americollect Inc Attempted Collection Of Debt With Out Validation XX/XX/2018

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-01-21 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have requested personal contact information that does not belong to me be removed several times from each of the Bureaus and they continue to report inaccurate information on my credit report in direct violation of my consumer rights. I believe it is negatively impacting me because there are accounts reporting that I don't recognize as well. I believe the unfamiliar accounts are reporting as a result of all the incorrect information being housed on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
For Fortiva Card Services, this debt was settled via my representative XXXX XXXX XXXX. The credit card debt with Fortiva MastercardXXXXXXXX XXXX XXXX XXXX is still showing a balance owed, even though the debt was negotiated and settled/paid. The balance on my credit reports is showing {$1700.00}, but at the time of settlement negotiation, the balance was only {$610.00}, and an agreement was reached to settle the account for {$330.00}. An ACH payment was submitted totally {$330.00}. Here is the payment information : Payment ID # XXXX ; XXXX # XXXX ; Amount {$330.00}. Payment was submitted via XXXX XXXX XXXX. I have sent a certified letter to Fortiva om XX/XX/2021, requesting they correct the account on my credit reports ; the balance should be zero. The letter was delivered and signed for on XX/XX/2021. I'm requesting the account be deleted from my credit reports. I have not received a response. A copy of the debt settlement email is attached and a copy of the certified letter sent to Fortiva is attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am having a identity theft issue that I am not able to resolve directly with the credit reporting agencies or the companies. I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the XXXX XXXX XXXX  to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file without my permission is a consumer law violation per 15 USC 1681 ( b ). Acct # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX are accounts not to be listed on my credit file someone else used my identity.

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 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
FRAUDULENT ACCOUNTS WERE ATTRIBUTED TO ME THAT I HAVE NO KNOWLEDGE OF NOR BENEFITED FROM THESE FRAUDULENT INQUIRIES AND ACCOUNTS

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 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
FRAUDULENT ACCOUNTS WERE ATTRIBUTED TO ME THAT I HAVE NO KNOWLEDGE OF NOR BENEFITED FROM THESE FRAUDULENT INQUIRIES AND ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
Pursuant to 15 USC 1605a finance charge defined, as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction should be the sum of all charges, payable directly or indirectly by the person whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. 
Consumer Financial Bureau 1026.4 Finance Charge : ( a ) Definition. The finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction. 

Notice, Congress said the finance charge does not include charges of a type payable in a comparable cash transaction ( so any type payable in comparable cash transaction is excluded ). Making the RETAIL INSTALLMENT CONTRACT ACCOUNT # XXXX LOT # XXXX between BUYER XXXX XXXX and CREDITOR-SELLER XXXX XXXX XXXX XXXX XXXX is in so many violations of the TRUTH IN LENDING ACT as well as CONSUMER FINANCIAL BUREAU , which means I XXXX XXXX is entitled to rescinding the contract

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 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I sent letters to XXXX, Experian and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-01-21 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: MI

Complaint narrative:
I have requested personal contact information that does not belong to me be removed several times from each of the Bureaus and they continue to report inaccurate information on my credit report in direct violation of my consumer rights. I believe it is negatively impacting me because there are accounts reporting that I don't recognize as well. I believe the unfamiliar accounts are reporting as a result of all the incorrect information being housed on my credit reports.

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 2022-01-21 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have requested personal contact information that does not belong to me be removed several times from each of the Bureaus and they continue to report inaccurate information on my credit report in direct violation of my consumer rights. I believe it is negatively impacting me because there are accounts reporting that I don't recognize as well. I believe the unfamiliar accounts are reporting as a result of all the incorrect information being housed on my credit reports.

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 2022-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Coinbase base stole XXXX dollars from my account with out my authorization and when I contact them every day for two months they send me XXXX dollars saying they are sorry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
Today XX/XX/2022 I received 25+ letters in my mailbox of the EXACT same attempt to collect a debt that I owe for a toll road, possibly causing some of my other mail to be returned because of the over flow of excessive mail from the same debt collector. I had already received twice daily letters from the original creditor and now this. I think its super excessive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland funding, the most crooked trash to ever disgrace our country. I have been fighting this for 5+ years. In XXXX, my identity was stolen, and as a result, I have to file specially with the irs. 2 years later, this and a couple others magically appeared on my credit record. Most have been removed, by other, more reputable companies. The collector has been notified of the id theft, and received confirmation in XXXX, I believe. It was removed from my record, only to reappear a year later. Since, this predatory collector has falsified information to the credit bureaus repeatedly over this time. I have sent 3 letters requesting verification of debt, and only once received anything : a stack of blank paper. Theyve ignored my requests for this debt that I have nothing to do with, and due to them, ive had a much lower XXXX XXXX than i earned. This is illegal, and im a step away from suing for the hardship due to a falsified credit report. My credit would be perfect if not for these unethical sacks of refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
In XXXX of 2020, I inquired about an extension on my mortgage with Chase Bank. I sent them an email and said the following, " my hours were cut. Can I have a 30-day extension? Chase enrolled me in a COVID-19 Forbearance Assistance program without me even signing any paperwork. They also added forbearance to my credit bureau status on the mortgage. I never agreed to be on the forbearance program. Now I'm trying to refinance my house, and the new lender needs a letter stating the following : " Provide documentation from JPMCB showing when the mortgage was released from forbearance along with the source of funds used to pay off the forbearance balance ''. I inquired about getting this letter several times, and they still have not been able to give me the correct letter. Since I have not received the letter, it has caused the refinance on my mortgage to be delayed. Chase needs to send me a letter with the information above. I never once asked to be on a COVID-19 Forbearance assistance plan. I simply just asked about a 30-day extension.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.

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 2022-01-21 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: MI

Complaint narrative:
Information was removed from my credit report by each bureau collectively suggesting that the items were unverifiable or erroneous, however ; the very same information has managed to reappear on my credit report without any reasonable measures or investigations taking place to prevent this from happening. I also have not received notice of the reinsertion which I believe to be a requirement of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
I want to close my checking account with XXXX. I transferred the money out of the account over a month ago and have tried to close it ever since. Every time I call, the hold time is ridiculously long ( over an hour ) and I never get connected. I tried to sign up for a call-back on the website, but it says " no time slots are available. '' There does not seem to be any other way to contact the bank other than to visit a branch, which I can not do because I have a full time job ( not to mention issues regarding XXXX ). It is ridiculous that the company is making it impossible for me to close the account. As a result, they have charged me a monthly fee and I now have a negative balance because they have not allowed me to close the account in a timely manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: NV

Complaint narrative:
ELAN FINANCIAL SERVICE Account Number : XXXX Date Opened : XX/XX/2017 Balance : 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 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
Hello, Today on XXXX i was alerted that there were XXXX hard inquiries on my credit report. i never authorized these inquiries and would like them to be removed from my credit report as soon as possible, thank you so much. 

XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SG and Associates
State: FL

Complaint narrative:
I CONTACTED THEM AND THEY TOLD ME THAT THE DEBT WAS MINE BUT THEY HAVE A DIFFERENT SOCIAL AND WRONG ADDRESS. THEY WERE THREATNING TO ARREST ME AND SAYING THAT THEY WERE CALLING FROM ATTORNEYS OFFICE THEY CALLED MY JOB- MY NEIGHBORS OLD FRIENDS FAMILY MEMBERS ETC. THIS NEEDS TO STOP

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