vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-31 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian, XXXX  and XXXX  : I am requesting affidavit forms to be sign and notarize by a senior executive verifying my signatures that willfully comply with authorization to furnished a credit reports, files or consumer reports on my behalf. I did not give XXXX, Experian or XXXX  ( consumer reporting agencies and bureaus ) consent to allow creditors to used a statistical tool to evaluate information associated with extending credit to me. In pursuant for a creditor after the credit report is assessed, I did not give consent for XXXX, Experian or XXXX  to create a report or file to fulfill the creditor 's actions. In pursuant of the score is calculated as a result of data processing activities performed by XXXX, Experian or XXXX, I did not give consent. In pursuant to scores are calculated on upon the request of a creditor, I did not give consent to XXXX, Experian or XXXX  to create a report or file to furnish to creditor or alike. I did not give XXXX, Experian or XXXX  the consent to create a credit history information in my credit report or file, including the inquiries, outstanding balances, number of accounts, age of accounts, etc.. to calculate a score. These credit reports or files are FRAUDUENT. Because, I did not give any written consent to disclose any of my financial transactions, medical history and any information regarding a credit score. No consumer reporting agencies or bureaus shall use any false, deceptive or misleading representation or means in connection with collecting any debt. XXXX, Experian and XXXX  falsely claim to have authorizations to create credit reports and files. XXXX, Experian and XXXX  shall refrain from acting aggressively to report negative information to a consumer 's file and report due to a fee and mutual agreement with the creditor. I will like for you to reinvestigate and send me the requested affidavit ASAP.

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 2020-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
can not unfreeze my report. Have had problems with Experian every year. Last complaint XX/XX/18 for same reason # XXXX - SORRY YOU HAVE TO SEND A LETTER!! No other info. This is holding up a Line of XXXX for my business. 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 non-monetary relief
Consumer complaint received 2020-10-31 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: CBC Companies, Inc.
State: CO

Complaint narrative:
I had an hard inqury on my credit report on XX/XX/2020 from Factual data. I have not given anyone permission to inquire my credit report. Concerned about fraudulent activity on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 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: World Acceptance Corporation
State: GA

Complaint narrative:
On XXXX 2020 I did a settlement with a company called XXXX A third-party collection agency working on the behalf of World finance company.They are both are still reporting fraudulent inaccurate information this Account was settled and was agreed to be deleted.I checked my credit report today as of XX/XX/2020and its showing negative for The second month In a row.I have called the collection agency XXXX and I called XXXX XXXX XXXX  in XXXX and XXXX and I told them what the issue was.I was told that they will look into it by the first party World finance when I called XXXX the collection Agency they told me that they would call XXXX XXXX company and get it corrected Two months later XX/XX/2020they are still reporting inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX

Complaint narrative:
XXXX  XXXX ( in collections now ) is saying that I owe {$4300.00}. I clearly already paid off a loan for that amount thru XXXX XXXX ( I believe it was XXXX ) last year. XXXX  XXXX is saying they never received it, but XXXX XXXX says that they sent it to XXXX  XXXX. This is the first item I have had in collections and Im not sure what to do about it ..., I never received any sort of documentation from anywhere, theyre constantly harassing me, I have had to block an endless amount of phone numbers, and neither sides are further investigating on my behalf they rather me just pay them each for a semester of college I didnt even complete 8 weeks of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Machol & Johannes, LLC
State: MO

Complaint narrative:
This debt was being paid as agreed until XX/XX/XXXX. The COVID-19 pandemic created a hardship for my household and my hours were cut at the hospital I worked for about XXXX weeks. I then found out I needed a medically necessary XXXX for the sake of my health. I was off work for two weeks to recover and had to use my short term XXXX through my job. I e-mailed this debt collector multiple times and I received no returned responses for months. I asked for a lower payment or deferment of my past due payments until my financial situation was back to normal. Then months after I received these threatening letters about court and judgement for payment. This has made an already stressful time in my life much worse. I lost my father in XX/XX/XXXX unexpectedly of a XXXX XXXX. At the time I was living alone in Colorado, newly divorced. I was first served court papers by this same debt collector during that devastating time. I told them I had student debt but they demanded I pay or theyd sue me in court!! I struggled but I did my best to pay each month. The grief and stress of this debt caused me to leave Colorado to be closer to my children. I then reconciled with my ex-husband and we remarried Fall XXXX. The pandemic caused everything to change!! This past month has been extra hard on my family as there have been deaths in our immediate family of grandparents and most recently my mother recovering from COVID-19. This second letter and continued harassment from this debt collector has made my grief and mild XXXX much worse!! I asked them to work with me earlier this year in late XX/XX/XXXX and they wouldnt!! Now they want to attack me during the holiday season and ruin my credit. I feel because I am an XXXX American citizen that they are purposely seeking to destroy the effort Ive worked so hard to put towards a better life and future for myself and my family!! I pull up my boot straps and they cut them off!!!! I feel violated!! I should not have been paying this creditor more than {$10.00} a month due to my student loan debt!!! I am outraged that this debtor is harassing me and refused to work with me when I asked. I would like them to show proof of my payments to show my debt was in good standing for about a year until the pandemic shut down the entire country!! The money I have paid is the amount of what was owed to the original creditor!! This debt collector is trying to get extra money out of me for their own personal gain!! Shame on them!! Please dont let them ruin my credit if all lives do really matter!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: MS SERVICES LLC
State: CA

Complaint narrative:
I was charge over XXXX dollars in fees for low funds or no funds. It was sent to a collections agency and showing a negative impact in my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 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: Nicholas Financial Inc.
State: VA

Complaint narrative:
i call this company nicholas financial about 2 months ago about a matter they they are reporting on my XXXX  report i spoke to a young guy name XXXX he told me that they had sold the car that got repo fir {$1900.00} at a auction ... Ok so on my XXXX  credit report the are reporting a balance for {$15000.00} That saying i owe thats is miss leading how i owe that and u all wrote that off on u all taxes and sold the car for {$1900.00} as the guy XXXX that works there said it sold for {$1900.00} and also i have request for all documents i wan na see all PAYMENTS made or miss i wan na see all applcations with my name and show me id i wan na see payments insurance forms and i want a acution recipt ASAP for my records according to the fcra its my right to request all documents and if i dont recive these items with in 30 days i will push for further legal action and also plz send all payments recipts because u all have so many late dates on my XXXX  reports that are fraud and u all no but keep telling XXXX  everything verfiled its not right to report fraud information on people credit that trying to make a change in there lives my score been hurting for months form u all report missleadinfg info on my credit report plz fix in 30days PS.. plz SEND ALL DOCUMENTS TO ME FOR MY RECORDS FOR LEGAL ACTION

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX, Transunion and XXXX  : I am requesting affidavit forms to be sign and notarize by a senior XXXX  verifying my signatures that willfully comply with authorization to furnished a credit reports, files or consumer reports on my behalf. I did not give Transunion, XXXX  or XXXX  (  consumer reporting agencies and bureaus ) consent to allow creditors to used a statistical tool to evaluate information associated with extending credit to me. In pursuant for a creditor after the credit report is assessed, I did not give consent for TransUnion, XXXX  or XXXX  to create a report or file to fulfill the creditor 's actions. In pursuant of the score is calculated as a result of data processing activities performed by TransUnion, XXXX  or XXXX, I did not give consent. In pursuant to scores are calculated on upon the request of a creditor, I did not give consent to TransUnion, XXXX  or XXXX  to create a report or file to furnish to creditor or alike. I did not give TransUnion, XXXX  or XXXX  the consent to create a credit history information in my credit report or file, including the inquiries, outstanding balances, number of accounts, age of accounts, etc.. to calculate a score. These credit reports or files are FRAUDUENT. Because, I did not give any written consent to disclose any of my financial transactions, medical history and any information regarding a credit  score. No consumer reporting agencies or bureaus shall use any false, deceptive or misleading representation or means in connection with collecting any debt. TransUnion, XXXX  and XXXX  falsely claim to have authorizations to create credit reports and files. TransUnion, XXXX  and XXXX  shall refrain from acting aggressively to report negative information to a consumer 's file and report due to a fee and mutual agreement with the creditor. I will like for you to reinvestigate and send me the requested affidavit ASAP.

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 2020-10-31 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: MD

Complaint narrative:
XXXX, XXXX  and Equifax : I am requesting affidavit forms to be sign and notarize by a senior XXXX  verifying my signatures that willfully comply with authorization to furnished a credit reports, files or consumer reports on my behalf. I did not give XXXX, XXXX  or Equifax ( consumer reporting agencies and bureaus ) consent to allow creditors to used a statistical tool to evaluate information associated with extending credit to me. In pursuant for a creditor after the credit report is assessed, I did not give consent for XXXX, XXXX  or Equifax to create a report or file to fulfill the creditor 's actions. In pursuant of the score is calculated as a result of data processing activities performed by XXXX, XXXX  or Equifax, I did not give consent. In pursuant to scores are calculated on upon the request of a creditor, I did not give consent to XXXX, XXXX  or Equifax to create a report or file to furnish to creditor or alike. I did not give XXXX, XXXX  or Equifax the consent to create a credit history information in my credit report or file, including the inquiries, outstanding balances, number of accounts, age of accounts, etc.. to calculate a score. These credit reports or files are FRAUDUENT. Because, I did not give any written consent to disclose any of my financial transactions, medical history and any information regarding a credit score. No consumer reporting agencies or bureaus shall use any false, deceptive or misleading representation or means in connection with collecting any debt. XXXX, XXXX  and Equifax falsely claim to have authorizations to create credit reports and files. XXXX, XXXX  and Equifax shall refrain from acting aggressively to report negative information to a consumer 's file and report due to a fee and mutual agreement with the creditor. I will like for you to reinvestigate and send me the requested affidavit ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
i call this company XXXX XXXX about 2 months ago about a matter they they are reporting on my experian report i spoke to a young guy name XXXX he told me that they had sold the car that got repo fir {$1900.00} at a auction ... Ok so on my experian credit report the are reporting a balance for {$15000.00} That saying i owe thats is miss leading how i owe that and u all wrote that off on u all taxes and sold the car for {$1900.00} as the guy XXXX that works there said it sold for {$1900.00} and also i have request for all documents i wan na see all PAYMENTS made or miss i wan na see all applcations with my name and show me id i wan na see payments insurance forms and i want a acution recipt ASAP for my records according to the fcra its my right to request all documents and if i dont recive these items with in 30 days i will push for further legal action and also plz send all payments recipts because u all have so many late dates on my experian reports that are fraud and u all no but keep telling experian everything verfiled its not right to report fraud information on people credit that trying to make a change in there lives my score been hurting for months form u all report missleadinfg info on my credit report plz fix in 30days PS.. plz SEND ALL DOCUMENTS TO ME FOR MY RECORDS FOR LEGAL ACTION

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 2020-10-31 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: MD

Complaint narrative:
Transition dropped my credit score 28 points today XX/XX/2020 for NO Reason!!!! Its says no changes just decrease. No only have I had to hire a Legal Company/ XXXX XXXX to help me with the dishonest and inaccurate credit reporting this company is doing, now they are dropping scores with no reason, no bad debt added or nothing!!! I want accurate accounts only. Some accounts they report dont even have my social and its a total another person! I can sue for this per LL so Ill wait their action. I want this justified and fixed immediately. Its effected my job.

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 2020-10-31 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:
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 XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$3100.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$3100.00} Date XXXX Dispute Revolving Accountsshow tooltip button XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$170.00} written off. {$170.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$170.00} Date Opened XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$250.00} written off. {$250.00} past due as of XX/XX/2020. 
Account TypeUnsecured Balance {$250.00} Date XXXX XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusRepossession/Never late. {$16000.00} past due as of XX/XX/2020. 
Account TypeAuto Loan Balance {$16000.00} Date XXXX Dispute XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY

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 2020-10-31 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: GA

Complaint narrative:
On XX/XX/2020 I did a settlement with a company called XXXX A third-party collection agency working on the behalf of XXXX XXXX company.They are both are still reporting fraudulent inaccurate information this Account was settled and was agreed to be deleted.I checked my credit report today as of XX/XX/2020 and its showing negative for The second month In a row.I have called the collection agency XXXX and I called XXXX XXXX company in XXXX and XXXX and I told them what the issue was.I was told that they will look into it by the first party World finance when I called XXXX the collection Agency they told me that they would call XXXX XXXX company and get it corrected Two months later XX/XX/2020 they are still reporting inaccurately.

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 2020-10-31 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: GA

Complaint narrative:
On XX/XX/2020 I did a settlement with a company called XXXX A third-party collection agency working on the behalf of XXXX XXXX XXXX.They are both are still reporting fraudulent inaccurate information this Account was settled and was agreed to be deleted.I checked my credit report today as of XX/XX/2020 and its showing negative for The second month In a row.I have called the collection agency XXXX and I called XXXX XXXX XXXX  in XXXX and XXXX and I told them what the issue was.I was told that they will look into it by the first party XXXX XXXX when I called XXXX the collection Agency they told me that they would call XXXX XXXX XXXX  and get it corrected Two months later XXXX they are still reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XXXX 2020 I did a settlement with a company called XXXX A third-party collection agency working on the behalf of XXXX XXXX XXXX.They are both are still reporting fraudulent inaccurate information this Account was settled and was agreed to be deleted.I checked my credit report today as of XX/XX/2020 and its showing negative for The second month In a row.I have called the collection agency XXXX and I called XXXX XXXX XXXX  in XXXX and XXXX and I told them what the issue was.I was told that they will look into it by the first party XXXX XXXX when I called XXXX the collection Agency they told me that they would call XXXX XXXX XXXX  and get it corrected Two months later XXXX they are still reporting inaccurately.

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