vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-22 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: EQUIFAX, INC.
State: PA

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/XXXX. And now we are in the month of XX/XX/XXXX 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. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Bankruptcy 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: TX

Complaint narrative:
Again i've went time and rime again over these negative remarks on my effecting my score. This has been really frustrating for me please help its been far to long for this.

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 2022-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: SC

Complaint narrative:
The Receivable Management Services LLC is contacting other people and asking for me. They have recently sent a letter stating that I owe a debt to a random web-based company based in XXXX. I do not owe this debt and I do not have an account with this XXXX company.

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 2022-01-22 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: TX

Complaint narrative:
I have recently filed a dispute with Experian regarding a company by the name of XXXX XXXX and in my dispute I asked Experian to provide me with original documentation requested that will solidify that a debt is owed by me. Experian could not provide me with that documentation, so instead they removed the account from my consumers report. Experian have now just added this company back to my consumers report and I have disputed this account and they deemed it as verified this time, without providing me with the original documentation that will solidify their reasoning in deeming it as verified. I have no signed contracts or agreements with this company, Experian is leading me to believe they did an improper and incomplete investigation, because he WILL NOT PROVIDE THE ORIGINAL DOCUMENTATION THAT WAS REQUESTED.

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 2022-01-22 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: TX

Complaint narrative:
Again i've went time and rime again over these negative remarks on my effecting my score. This has been really frustrating for me please help its been far to long for this.

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 2022-01-22 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I provided documentation from the court and XXXX stating that the bankruptcy ( s ) has been removed. The credit agencies states it gets their public record information from the court and XXXX. Ok if that's the case why is the bankruptcy still reporting on my credit file when I have sent proof showing that the bankruptcy ( s ) been removed from XXXX and the court does not provide the credit agencies information about bankruptcy ( s )? Also inaccuracies with accounts. The date of last active showing different dates when the accounts should show the same dates with each credit agencies. The FCRA says XXXX accuracy not XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
This so called debt was removed when it was placed with XXXX after a CFPB complaint in XXXX of 2021. The current debt collector Commonwealth is violating the FDCPA and FCRA by not sending me notice, XXXX or an opportunity to dispute the debt. Thus is the result of identity theft. It is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: TX

Complaint narrative:
The following accounts are inconsistent and only show on my XXXX and Experian consumer reports. These accounts are showing with my consent and I never gave anyone permission to placed these accounts on my consumer reports. 

XXXX XXXX XXXX XXXX XXXX XXXX Attorney General-XXXX contacted the attorney generals office and the courts and they stated that they do not report to any credit bureau. They do not place personal information on your consumer report. 
XXXXXXXX XXXX XXXX Consumer Law states that these companies have to have permissible purpose and consent from myself the consumer to place this alleged information on my consumer 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 2022-01-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Consumer Reporting Agencies is BREAKING THE LAW!!!!!!!!!!!!!!! 
I sent lettes disputing 7 accounts on my consumer report on XX/XX/XXXX and mailed it certified return receipt requested. I received notice in the mail that they received my dispute letter XX/XX/XXXX. It is now XX/XX/XXXX and I have not received response from them. Per the FCRA section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period the accounts must be deleted.15 USC 1681 congress makes the following finding the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers. Congress states Consumer reporting agencies ASSUMED a vital Role and because of their assumption severe hardship, XXXX XXXX XXXX has concurred. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These consumer reporting agencies are sharing my Information with XXXX XXXX without my permission. These consumer reporting agencies were not there during these transaction. How do they know these transactions took place? 15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy .These consumer reporting agencies are reporting and sharing erroneous information without my consent. First the CRA should have consulted with me first the CONSUMER. They have no proof of these transaction. Infringed upon my right to privacy by having a conversation about me with a 3rd party. They are impartial because they allowed information to be reported while only hearing onside of the story. 15 USC 1681 ( a ) ( B ) THEY DID NOT MEET THE NEEDS OF COMMERCE BECAUSE THIS IS NOT FAIR OR EQUITABLE. 15 USC 1681 ( a ) ( d ) ( 2 ) Exclusions from a consumer report info not accurate of or relevant. Pursuant to 15 USC 1681c ( a ) ( 4 ) Information excluded from consumer report, no consumer reporting agency may make any consumer report containing any of the following items of information : Accounts placed for collection or charged to profit and loss. Transactions should have confidentiality.15 USC 1681n Consumer reporting agencies are now civilly liable for willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: AL

Complaint narrative:
I provided documentation from the court and XXXX stating that the bankruptcy ( s ) has been removed. The credit agencies states it gets their public record information from the court and XXXX. Ok if that's the case why is the bankruptcy still reporting on my credit file when I have sent proof showing that the bankruptcy ( s ) been removed from XXXX and the court does not provide the credit agencies information about bankruptcy ( s )? Also inaccuracies with accounts. The date of last active showing different dates when the accounts should show the same dates with each credit agencies. The FCRA says XXXX  accuracy not XXXX or 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 2022-01-22 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: AL

Complaint narrative:
I provided documentation from the court and XXXX stating that the bankruptcy ( s ) has been removed. The credit agencies states it gets their public record information from the court and XXXX. Ok if that's the case why is the bankruptcy still reporting on my credit file when I have sent proof showing that the bankruptcy ( s ) been removed from XXXX and the court does not provide the credit agencies information about bankruptcy ( s )? Also inaccuracies with accounts. The date of last active showing different dates when the accounts should show the same dates with each credit agencies. The FCRA says 100 accuracy not 60 or 70.

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 2022-01-22 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Im having a consistent on going problem with transunion, and today I'm putting it to a stop. 

Ive been asking transunion to please provide me proof of inaccurate account for XXXX XXXX reporting and they still failed to do so. 

I just want for Transunion to please do their job and remove this negative information, i has been going on 5 months and they still fail to authorize my request on how the items was verified. 

I specifically ask Transunion numerous of times and also DEMANDED that they show me verifiable proof and provide me with any contracts or who they contacted, with a signature, and til this day they still fail to validate my requested in what i asked. 

I will have plenty of proof from XXXX XXXX and also Transunion. 

XXXX XXXX even says TRANSUNION never contacted them. 

So the whole time, Transunion has been falsifying documentation and stalling me out. 

THEN I RECEIVE A LETTER FROM TRANSUNION ASKING ME DO I HAVE A CREDIT REPAIR COMPANY WORKING FOR ME, AND TOLD ME TO DISPUTE ONLINE, I WOULDN'T DARE DISPUTE ONLINE, AS A CONSUMER WITH RIGHTS. 

THEY THINK THEY ARE SLICK, BUT I GOT THEM IN THE ACT WITH LOTS OF PROOF. 

BELOW YOU WILL SEE ATTACHMENTS.

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 2022-01-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The following inquiries should not be on my consumer reports. 

Equifax & XXXX XXXX Bank need to be removed. 

XXXX XXXX XXXX XXXX XXXX need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: TX

Complaint narrative:
The following inquiries should not be on my consumer reports. 

XXXX XXXX ExperianXXXX XXXXXXXX XXXX need to be removed. 

XXXX XXXX ExperianXXXX XXXX XXXX need to be removed.

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 2022-01-22 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I Have sent several complaints through the CFPB to Experian regarding inaccurate information. Experian is using stalling strategies so that they want have to address my the inaccuracies on my credit profile. They response to me through the cfpb is always that they need Authorization from me to complete a dispute. Experian been had authorization to complete all my disputes. I've also sent Experian a copy of my license, social, and proof of residency on numerous occasions. Im asking hereby demanding Experian to complete all my previous and future investigations in a timely manner. or I will sue through the cfpb because this is against the FCRA guidelines and Experian has a duty to comply with all rules and regulations of the law.

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 2022-01-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Hello, I have a loan through Affirm for my XXXX bike ( ID : XXXX ). 
On XX/XX/XXXX a charge was made against my account and labeled as " XXXX XXXX ''. As I had not made a purchase through XXXX XXXX I called my credit card company and the payment was reversed. I was credited with this payment on XX/XX/XXXX. 

Affirm later alerted me they had not received my payment. Upon speaking with Affirm, they realized they had miscoded the charge leading it to incorrectly be labeled as " XXXX XXXX '' rather than " Affirm '' as in previous billing cycles. 

After learning this I called XXXX bank and re-authorized the charge. On XX/XX/XXXX this payment was again taken from my account. 

Affirm claims to have never received this payment. I have provided their customer service with screenshots and reached out many times both via phone and e-mail. Furthermore now Affirm does not seem to be able to bill my account anymore and is refusing to resolve the issue. I do not have another account I can use beyond the two already tried. 

This has left me two issues : 1. I am unable to remit my monthly payment to Affirm, leaving me no way to pay my loan despite wanting to pay the loan. This, in turn, is dangerous to my credit. This is especially egregious when the initial problems were caused by Affirm mislabeling my payments. Customer service has refused to assist beyond telling me to try a different account ( which has also not worked and I have no further accounts ). 
2. Affirm claims to have not received my XXXX payment even though it was removed from my checking account. 
Affirm customer service has been unresponsive. Through 4+ calls and multiple e-mail follow ups Affirm has provided me no way to pay my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: TX

Complaint narrative:
The Credit Bureaus ( TRANSUNION, XXXX, XXXX ) have deemed a company as verified by the name of XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on my consumers report. I asked them to solidify their reasoning, which leads them to believe that a debt is owed by me to these companies or company. The credit Bureaus have lead me to believe that they conducted a improper and incomplete investigation into this. There are three different company names on each of the Credit Bureaus sites. Due to this incorrect information, it leads me to believe that they did a improper and incomplete investigation, without providing the original documentation requested.

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 2022-01-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
In XXXX, I made a payment to Pro Collect Debt collectors ( XXXX Tx ) for a remaining balance of a apartment Lease " break '' as a result of having to move early because of Domestic Violence. It was a partial payment that they accepted, however when I attempted to go online to make a payment towards balance owed it would not allow me to make a payment was {$1800.00} ( paid In full ). I then contacted the company and emailed them. The collection manager responded to the email informing me I cant make any other payment unless it's the full amount. I also asked if my payment from previous month was used towards balance, as it does not show me, nor is there any breakdown. This also made me fearful because I'm eager to pay this off, so I'm able to move into an apartment but I'm concerned I can pay this and it's still showing on my credit and never removed. I then searched on XXXX only to find out this is exactly what they do to people, after they pay off their balance, it's never reported as paid in full or in good standing. This could mean that once I pay in full, there is no place stated that they will stop reporting this negative debt on my credit report, even after it's paid in full.

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 2022-01-22 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Hello there are accounts and inaccuracies on my credit report. I reviewed all 3 reports and when I noticed the issues I reached out to Equifax and XXXX. I sent a total of XXXX certified letters advising them of my request for correction and removal. Not only have they not done this they continue to send me a computerized response of validation. I am the sole " person '' that can validate anything on my credit file per 15 USC 1692 ( g ). I am also the one who must give my written consent giving the credit reporting agencies authorization to furnish my credit report in the first place. So who is actually in the wrong here? The consumer law violations are overflowing at this moment and this is my last attempt before the courts are involved and my invoice for monetary payment is mailed.

Company response to consumer: Closed with explanation