vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I submitted a dispute against the account on my Equifax report for Ohio Department of Human Services '', which is my child support payments. I have disputed this multiple times with XXXX being my latest dispute with Equifax. This one I submitted in writing through mail with confirmation receipt which is attached. 

My problem with the account as evidenced in 2 of the attachments showing the account on my credit report is that it is showing late and missing payments and also being in collections. 

I have attached a letter from my case manager and my full payment history with the Ohio Department of Human Services, showing I have never missed a payment since my divorce was finalized. The arrerages shown is due to me being in court for 1 year and not having an order finalized. I have been making extra payments and have the arrerages paid off. Never once missing a payment as it shows in my credit report. 

I have disputed this multiple times with Equifax with proof of my payments and every time I get the same response received the last time I disputed this with the CFPB. They ignore my evidence and say the account was verified. I have also attached the letter I sent Equifax the last time I disputed requesting this account corrected. 

I want this account shown with no missed payments and no collections activity on this account as there is not and never was missed payments or collections on this account. 

Equifax is required to report the accounts correctly and if not I will be forced to take legal action against Equifax to have the account updated correctly and for damages. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
They keep calling asking for a XXXX. I told them many times that the number theyre calling does not belong to her. I asked them to take me off their calling list, Midland Credit said they will but they keep calling and harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have contacted Equifax XXXX  times now ( XXXX  in XXXX, faxed them in XX/XX/XXXX and XXXX times this past week ) each receiving different responses regarding the block on retrieving my credit report. Today, I was told that I have nothing filed with Equifax, despite verifying with all my creditors that they have been sending the correct information to all 3 credit bureaus and Equifax specifically. I have had no issues receiving credit reports from XXXX and XXXX, only problems with Equifax. In XXXX, they asked for me to fax documentation verifying my identity, which I did send and never received a response back or any update in receiving my credit report. 

Today I have once again faxed my documentation to prove my identity to Equifax to pull up my file. This is extremely unacceptable and is getting in the way of my process of obtaining a home loan from a lender as a first time homebuyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc.
State: MS

Complaint narrative:
XX/XX/XXXX handwritten moveout notice provided and emailed confirming move out intentions in XXXX ; reminder or moveout provided in XX/XX/XXXX XX/XX/XXXX damages to my personal property and damage to their property as a result of a flood XX/XX/XXXX approximately Health and Safety Code violation preventing living in an apartment as a result of contamination in ventilation systems affecting breathing. XXXX XXXX so-called repairs included placement of an odor eliminator in the vent that further mixed chemicals impacting my respiratory system Moved out XX/XX/XXXX and found out on XX/XX/XXXX of a rental collection for {$2800.00} entered on a credit ( XXXX ) report by RS Clarks and Associates . I disputed the information through Credit reporting agencies ( XXXX, XXXX Desk, XXXX, XXXX and requested validation of the debt and documents utilized regarding the investigation that was not supplied. No proof of a XXXX XXXX XXXX investigation documents was provided. 

XX/XX/XXXX RS Clark and Associates submitted a bill outlining fraudulent alleged charges. CFPB did not thoroughly investigate the case and closed the complaint. 
I m

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX - US DEPT ED XXXX US DEPT ED 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 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXX data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: LEXISNEXIS
State: CA

Complaint narrative:
In California residents are allowed to " globally opt-out '' of the LexisNexis consumer database ( XXXX ), however, in practice every single user who attempts to do so will receive an " Internal Server Error :500 ''. This is almost certainly intentional. I suggest that it be tested by other CA residents. I have two friends who live in different parts of California and they have received the same error. This database is intentionally anti-competitive and shouldn't be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: First National Collection Bureau, Inc.
State: NJ

Complaint narrative:
First National Collection Bureau is contacting me about about a judgement that is no longer in existence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I reported Identity theft to Experian regarding XXXX and provided a police report and Experian stated that they verified but never provided the method of verification. The account is not mine and I have never applied or made any transactions with XXXX. Affirm need to be deleted/removed off my 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 2021-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This account is not mine. Some had used my information without my knowledge to initiate these account. I have applied for credit and got denied due to the fraudulent account. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner. 

Date : XX/XX/2021 Amount : {$420.00} Filed FTC report and contacted original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the XXXX  you caused me. My information was also affected by the XXXX AND THE XXXX XXXX breach and may have gotten into the wrong hands.

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 2021-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I received a text stating the following : Citi Fraud Free Msg : We declined a payment of {$1700.00} that has been initiated in your account through your Citibank Mobile Banking. Reply yes if this was you, If not, please cancel through this secure link here : XXXX XXXX XXXXXXXX From phone # XXXX I do not have an account with Citi so it is clearly fraudulent.

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 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian Credit Reporting Bureau Practices Redlining in violation of the Equal Credit Opportunity Act ( ECOA ) and Consumer Financial Protection Act ( CFPA ) Experian is reporting false, damaging, incriminating, inaccurate character assassinating information about me to possible creditors without reason as a result of this credit bureaus actions I have been unjustly denied credit opportunities, and my credit worthiness has been affected placing an undue hardship on myself and my family. The information that Experian reports to me the consumer is drastically different then what they are reporting to the potential creditors. Experian is doing this in violation of the Equal Credit Opportunity Act ( ECOA ) and Consumer Financial Protection Act ( CFPA ). Experian Consumer Reporting Agency is committing acts much like the ones presented in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , where the plaintiffs alleged that Public Data qualified as a consumer reporting agency under the FCRA because it collected, sorted, summarized, and assembled public records information into reports that third parties could purchase on its website. They alleged that the defendants practices led them to provide reports containing inaccurate criminal history information and claimed that Public Data violated the FCRA by failing to comply with various FCRA requirements, including the requirement to follow reasonable procedures to assure accuracy in the preparation of consumer reports. None of Experians duties derives from Public Datas status or conduct as a publisher or speaker but instead involve duties that the FCRA imposes on consumer reporting agencies which are specific to the function of a consumer reporting agency. I am alleging much like the Plaintiff in XXXX XXXX XXXX XXXX, the plaintiff claimed that the defendant website operator willfully violated the FCRA by allegedly publishing inaccurate personal information about him. In my case this reporting agency has continued past and present to cause great harm and damage to my livelihood. Experian Credit Report Account is disseminating information falsely and incorrect which is preventing consumer credit opportunities by XXXX Implementation. Falsely reporting Loan balance, payment amount, number of inquiries, providing false criminal history records during the consumer credit application process. 

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 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX XXXXXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
{$25000.00} was fraudulently taken out of my Chase account through wire fraud. I have taken all necessary actions to get my money back. I have filed a police report I have filed an FBI report and still nothing. Its been well over a month and still no answers. They attempted to close my claim without even looking into it stating they tried to get in contact with me and they never did. I have gone over phone records its all in black and white they never tried to call. Every time I am connected with somebody they either hang up or can not help. I need answers and help. XXXX is approaching with no peace of mind of when or if my funds will be released.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX. Received phone call from XXXX XXXX XXXX. They stated that I owe debt to Synchrony Bank with XXXX XXXX. I XXXX XXXX was put as an authorized user on XXXX XXXX Walmart card. Authorized users per the guidelines are not responsible for debt owed. The debt collector kept stating that XXXX is a co-signer but failed to provide proof of that. They failed to provide proof of the original bill showing who owes the debt. I never had a physical card either. They have made threats about court and judgements placed on my name. They have called multiple family members in an attempt To collect XXXX XXXX debt. XXXX also contact them to set up a payment arrangement yet they still Placed my name on the validation letter. Furthermore, if I owed this debt to Synchrony Bank why was I never contacted about this debt since its from 2016 and it has never been placed on any credit report. Please see to it that this complain gets resolved this collection agency utilizes nasty and illegal tactics.

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 2021-12-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ray Klein, Inc.
State: UT

Complaint narrative:
I was presented with a bill for an unidentified creditor. The Creditor information provided is simply XXXX XXXX XXXX XXXX XXXX XXXX along with 2 truncated original account numbers. The actual utility is not identified, and the truncated account numbers match no accounts I have ever held. Presumably if I contact one of their agents, I will be provided with a creditor name but what is puzzling is that this company is using a phone number which is not associated with my address in XXXX XXXX, CA. To be certain that the accounts are not legitimate, I confirmed with each utility that I had accounts for in XXXX XXXX have final billing settled and accounts are all closed.

When I conducted a search on this collection company, others were warning that the company was actively scamming and extorting people with false bills, so I have not contacted them as I do not wish for them collect more information for their fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Synchrony Financial XXXX XXXX store credit card I am only opted in to receive email alerts when my payment is due in two days. I never received an email to make a payment, missed it and was charged a late fee. 

I am not opted into receive text messages about my account, but am receiving texts about my late payment and to make it now. 

I am concerned that they are not sending emails to other consumers so they can charge them a late fee and then report them as missing payments to the credit 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 monetary relief