vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, namely, a copy of a signed contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my requests above within 14 days, then you are excused from verification. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn this matter over to an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Johnson Mark LLC
State: ID

Complaint narrative:
The company was Johnson Mark LLC " attorneys at law '' XXXX XXXX XXXX XXXX UT XXXX, XXXX and they submitted a request to garnish my wages for a creditor called " XXXX XXXX '' and I dont even know who that is. I had paid this off and taken care of the garnishment so was not worried about that at all. I was just calling to verify the original creditor, and to give them whatever information they needed to close their case. The woman hung up on me as soon as I said I had paid the bill. Then when I called back and asked what I could provide for her to close the case she raised her voice and said it was coming out of my check ( which doesnt matter as I dont even work for the company they were trying to collect wages through anyways even if I had not paid it ). I really was just trying to verify the original creditor and give them a courtesy call and she started screaming at me and said " get off my phone!!! '' and hung up on me again. I dont care that it was paid, that it was garnished etc and felt like i handled the call as well as I could... but i do feel like it should be illegal, if it is not, for a company to be able to garnish your wages, and then not only not clarify what it is for, but scream at you and hang up on you when you are trying to clarify a debt. They contacted me a week ago XXXX XX/XX/22 and I called them back today, at XXXX and XXXX MST. I still need to know exactly what the charge is, as I am working through old debts and need to know exactly which creditor to scratch off my list, but am afraid to call back. : ( I also asked her if this was regarding a debt from " XXXX  '' and she said yes, in the middle of screaming at me, so I called XXXX with another number I had hoping to get someone else and they ended up being a completely different company so the little information I did get from her, was not correct and could have led to me not paying another debt based on her statement. I am pretty horrified that when I finally try to get my debts in order, this company would scream at me for calling to let them know I am paying their bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are some accounts on my credit report that I do not recognize

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 2022-01-24 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: CT

Complaint narrative:
I contacted Equifax on XX/XX/XXXX about the following accounts ; XXXXXXXX XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$300.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX Balance : {$66.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$85.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$90.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$750.00} ). Equifax has failed to verify these fraudulent accounts on time as they are required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: WI

Complaint narrative:
Thank you for taking the time to read this. Upon review of my XXXX, XXXX and XXXX credit files I noted 3 payments that are reported as late. I have disputed the late payments already two times and I am sincerely hoping someone there can take a closer look at my file. The payments were, in fact, missed, but prior to me missing the payments, I called every month I was unable to pay and was unable to get through to your company ( XX/XX/2020, XXXX, 2020, and XX/XX/2020 ). I was affected by COVID and tried to get a deferment and couldn't get through and therefore accounts ended up being late. I am hoping you can make the necessary adjustment under the CARES Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: SC

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO ACCOUNTS THAT DONT THAT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Thank you for taking the time to read this. Upon review of my XXXX, XXXX and XXXX credit files I noted 5 payments that are reported as late. I have disputed the late payments already two times and I am sincerely hoping someone there can take a closer look at my file. The payments were, in fact, missed, but prior to me missing the payments, I called every month I was unable to pay and was unable to get through to your company ( XX/XX/XXXX- XX/XX/XXXX ). Out of desperation I joined a debt consolidation company. I was affected by COVID and tried to get a deferment and couldn't get through and therefore accounts ended up being late. I am hoping you can make the necessary adjustment under the CARES Act.

I have been a customer with Chase Bank for both my personal banking and business banking ( XXXX XXXX XXXX ) since XXXX. Over the past few years, I have enjoyed the customer service and financial products you provide and would love to stay a loyal customer. 
Personal Account # : XXXX Business Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: MA

Complaint narrative:
On XX/XX/XXXX, I sent a dispute to Equifax about the following accounts ; XXXX XXXX Bankruptcy ( Date opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX  ( Date opened : XX/XX/XXXX, Balance : {$1600.00} ), XXXX XXXX ( Date opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date opened : XX/XX/XXXX, Balance : {$1100.00} ), XXXX ( Date opened XXXX XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX ( Date opened : XX/XX/XXXX, Balance : {$740.00} ), XXXX XXXX XXXX ( Date opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date opened : XX/XX/XXXX, Balance : {$980.00} ), XXXX  ( Date opened : XX/XX/XXXX, Balance : {$960.00} ), XXXX ( Date opened : XX/XX/XXXX, Balance : {$0.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: IL

Complaint narrative:
After reviewing my credit report I see the below information still in there, that makes me more upset. I never granted your company the right to report against me under the Fair Debt Collection Practices Act 15 USC Section 1692 that was abusive practices. I was a victim of invasion of my privacy.

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 2022-01-24 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: IL

Complaint narrative:
I filed a dispute with Equifax and XXXX beginning XX/XX/XXXX. I mailed out dispute letters XX/XX/XXXX concerning a XXXX card debt, XXXX card debt and XXXX XXXX debt. I mailed out letters via certified mail but never received a response back from either Equifax or XXXX. I called both companies earlier this month to ask about these accounts that are not mine and they told me over the phone that the accounts had been verified by the creditors. So I asked XXXX why didn't receive a returned signature receipt from my certified letter or even a response letter about the dispute? They told me that they sent the update to my email on my XXXX account. I told them I don't have a XXXX  account and I specifically requested that my response be sent via mail to my home address anyways. They still refused to send it out. I also spoke with Equifax and they said that it was verified and they don't know why the dispute response letter hadn't been sent out yet and that they would send it out in 3-5 days. So on XX/XX/XXXX I sent out another certified mail dispute to both Equifax and XXXX and stiill have not gotten a return receipt signature from either company. After 10 days of return receipt signature this should be deemed a no response from both of these bureaus. I didn't have these issues with XXXX as they complied and removed all fraudulent accounts off their report. Equifax and XXXX are not in compliance with Metro-2 as I also stated in my dispute letters. Their failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with these bureaus for the purpose of filing a complaint with the FTC should they continue in non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  ), they may be liable for their willful non-compliance. I have phone recordings and receipts of each certified letter sent out and I am hoping to solve this issue before I have to take further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: SC

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT ACCOUNTS THAT DONT THAT BELONG TO ME

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 2022-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
I disputed a " 60-day late payment '' XXXX reported to XXXX and Transunion. I leased my XXXX XXXX in XXXX. When my lease was up in XX/XX/XXXX, I got a loan through XXXX XXXX XXXX to buy out my lease. The loan officer, XXXX XXXX called XXXX XXXX on XX/XX/XXXX, and the agent gave her the payoff. A full amount payoff check was mailed from XXXX XXXX XXXX before my lease ended on XX/XX/XXXX. Now, approx 15 months later, XXXX is has reported a 60-day late payment on my credit reports. I first called XXXX and they said to simply file a dispute with XXXX and Transunion. I filed a dispute with both companies by giving my account of the lease. XXXX and Transunion sent the information to XXXX and XXXX denied the dispute. Next, I contacted XXXX XXXX at XXXX XXXX XXXX and she wrote a statement verifying the details of the payoff. I disputed the inaccurate, 60-day late payment reporting from XXXX and attached the letter from my loan officer, who is now the branch manager, XXXX XXXX XXXX She clearly remembers the situation. She sent the tax and title fees directly to the State of Idaho. XXXX was claiming the tax and title fees were supposed to be sent to them. XXXX from XXXX XXXX XXXX called XXXX XXXX XXXX and informed them that in the state of Idaho ( a non-title holding state, ) the financial institution sends the money for the tax and title fee directly to the state and the State of Idaho mails the title to the lienholder. They finally sent the title to XXXX XXXX XXXX several months later. I have the supporting document from XXXX XXXX XXXX or you may reach XXXX XXXX at XXXX. I have worked very hard to have an excellent XXXX XXXX and XXXXXXXX XXXX 60-day late reporting dropped my credit score by XXXX  points on XXXX XXXX, XXXX. This is the only negative item on 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 non-monetary relief
Consumer complaint received 2022-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
I disputed a " XXXX late payment '' XXXX reported XXXX Equifax and XXXX. I leased my XXXX XXXX in XXXX. When my lease was up in XX/XX/XXXX, I got a loan through XXXX XXXX XXXX to buy out my lease. The loan officer, XXXX XXXX called XXXX XXXX on XX/XX/XXXX, and the agent gave her the payoff. A full amount payoff check was mailed from XXXX XXXX XXXX before my lease ended on XX/XX/XXXX. Now, approx 15 months later, XXXX is has reported a XXXX late payment on my credit reports. I first called XXXX and they said to simply file a dispute with Equifax and XXXX. I filed a dispute with both companies by giving my account of the lease. Equifax and XXXX sent the information to XXXX and XXXX denied the dispute. Next, I contacted XXXX XXXX at XXXX XXXX XXXX and she wrote a statement verifying the details of the payoff. I disputed the inaccurate, XXXX late payment reporting from XXXX and XXXX the letter from my loan officer, who is now the branch manager, XXXX XXXX XXXX She clearly remembers the situation. She sent the tax and title fees directly to the XXXX of Idaho. XXXX was claiming the tax and title fees were supposed to be sent to them. XXXX from XXXX XXXX XXXX called XXXX XXXX XXXX and informed them that in the state of Idaho ( a non-title holding state, ) the financial institution sends the money for the tax and title fee directly to the state and the State of Idaho mails the title to the lienholder. They finally sent the title to XXXX XXXX XXXX several months later. I have the supporting document from XXXX XXXX XXXX or you may reach XXXX XXXX at XXXX. I have worked very hard to have an excellent credit score and XXXX 's XXXX late reporting dropped my credit score by XXXX points on XXXX XXXX, XXXX. This is the only negative item on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are some accounts on my credit report that I do not recognize

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 2022-01-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
Thank you for taking the time to read this. Upon review of my XXXX, XXXX and XXXX credit files I noted XXXX payments that are reported as late. I have disputed the late payments already XXXX times and I am sincerely hoping someone there can take a closer look at my file. The payments were, in fact, missed, but prior to me missing the payments, I called every month I was unable to pay and was unable to get through to your company ( XX/XX/2020, XX/XX/2020 and XX/XX/2020 ). I was affected by XXXX and tried to get a deferment and couldn't get through and therefore accounts ended up being late. I am hoping you can make the necessary adjustment under the CARES Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft 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 non-monetary relief
Consumer complaint received 2022-01-24 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:
On XX/XX/2021 I sent a validation letter to XXXX, Equifax, and XXXX regarding some inaccuracies that are reporting in my credit report ( attached below ). I exercise my right to request all three bureaus to provide me with verifiable proof that the negative items reporting on the accounts listed below belong to me or they have to remove those immediately. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through physical verification of the alleged original signed consumer contract to prove those accounts belong to me and that whatever they report on my credit report has to be 100 % accurate. On XX/XX/XXXX, I received a letter back from XXXX stated that they verified those accounts as accurate which is false and misleading which is a violation of my consumer rights. How can they verify it to be accurate if you can see the invalid inconsistencies in plain site ( shown below ) As for XXXX and Equifax it's been well over 30 days and I never received any investigation results In regards to the late payments that were reported, that is 100 % false because I paid those accounts on time, but to my understanding late payments shouldn't even be reported due to the COVID Forbearance Act

Company response to consumer: Closed with explanation