vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-13 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: CA

Complaint narrative:
To all those concerned, I'm not happy. For that matter neither is my husband. He just re-filed a complaint yesterday and now I have to file one as well. We don't know what it's going to take to have the credit bureaus delete accounts from our credit reports which are wrong. Recently they responded to both mine and my husband 's complaints with letters saying to be more specific with our disputes. We were very specific when we were mailing out letters to them all these months. How can they get away with this? How can you let them? Do my husband and I have to take matters into our own hands and sue them?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: NV

Complaint narrative:
TRANSUNION has permitted the collection agency of XXXX, XXXX XXXX XXXX XXXX to report an inaccurate account on my credit reports. Upon further review, the account apparently originated from a property management company called XXXX XXXX XXXX. I have no knowledge of this account. In accordance with 15 U.S.C. 1681i ( Fair  Credit Reporting Act ), 15 U.S.C. 1692 ( a ) ( Fair Debt Collection Practices Act ), 42 U.S.C. 3604 ( Fair Housing Act ), and California Government Code 12940, et. seq. ( Fair Employment and Housing Act ), please provide validation of the debt.

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 2020-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
When receiving a letter from Resurgent Capital Services about a credit card that I supposedly took out. I reached out to the company via letter after going back and forth about it they would not produce documentation about the credit card account. They would only send me an account summary that was with the Name LVNV Funding nothing from the original like I had requested and is my right under federal law. 

I also sent a letter to XXXX and they mailed me a letter with only a summary showing the account as updated but did not provide any type of documentation like I had requested either. 

If you need all documentation that I have send and received. Please let me know. I can scan and email them over to you. 

I sent a response to both companies today XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: CA

Complaint narrative:
A couple months back I noticed a collection on my credit report which I know was wrong. There was a XXXX collection being collected by Enhanced Recovery. I haven't had XXXX in years. On top of that, I paid them off and in full with a previous collection agency several years ago. There should be no reason why I should owe this money. 

In XXXX I sent dispute letters to the credit bureaus and Enhanced Recovery but I never received a response from any of these companies. I'm not asking for much. Please delete this account from my report since I already paid it years ago with a different collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Prior to the Coronavirus Pandemic and the Governor 's order to " Stay-at-home '', thus shuttering all non-essential businesses, all known business credit accounts with American Express were in good standing. 

On XX/XX/XXXX Governor XXXX XXXX ordered the closure of all non-essential businesses. As acting XXXX for a legally formed XXXX entity, I phoned American Express on XX/XX/XXXX at exactly XXXX XXXX.XXXX. ( PST ). During this 33 minute call, I made it known that the XXXX I represented had been impacted by the COVID-19 Pandemic. I asked specifically if there were any type of payment assistance or forbearance plans available. The answer I received was, " no '' they had nothing to offer. 

I explained to the customer service agent, that due to the mandatory closure of non-essential businesses, revenue would be interrupted and we would no longer make regularly scheduled payments until the emergency was lifted, and the XXXX cleared to re-open. It was at this time the customer service agent agreed to remove the automatic payments being drafted. At that time point in time, the payment for XXXX had already been posted to the account, and was current and good standing. 

A few days earlier, XX/XX/XXXX the U.S. Congress passed into law, the CARES Act which gave banks and credit card companies strict guidelines for waiving minimum payments for debtors while still accruing interest on their balances. In addition creditors were forbidden to report any new negative activity. 

Within a few weeks after the passage of the CARES Act, I began receiving ominous calls from American Express. The pre-recorded messages asked me to log into my account to resolve an important matter. However whenever I logged into my XXXX Accounts, there were no banners or links anywhere on the American Express site to request payment assistance or forbearance. 

On XX/XX/XXXX, I became aware American Express filed a Charge Off in the amount of {$3800.00} on my personal credit bureau profile. The account number reflected was erroneous and made up. I have no record of this debt. 

If however this amount is meant to reflect a XXXX account for which I am the XXXX, then I believe American Express ' attempt to collect should be levied against the XXXX entity. Not its employee. Furthermore, the CAREs Act was devised to protect consumers, both business and private, during this pandemic against unjustified negative credit reporting activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: SC

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: SC

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.
State: MI

Complaint narrative:
AFNI XXXX in XXXX IL. opened collections on XX/XX/2020 for a XXXX past bill of {$310.00} which i do not deny because of terrible service and had planed on paying. 2 months later XX/XX/2020 i seen a derogatory statement on my credit report. Which dropped XXXX score 48pts. I have worked so hard to get near 700 so i can move. I called them to explain that i have not worked since XX/XX/2020 because of Covid Virus shut down most work in Michigan and i have not been back yet. I asked why did you do this now during the Virus. This person i talked to is in Illinois and went on to say most people in Mi. are back to work LOL. They went on to say the reason i am not working is because i do not want to work i said really, I guess you have not seen unemployment numbers in Mi.. I got mad and hung up my bad i guess.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
The problem is a ongoing problem with Fortiva credit. I attempted to get a head of my obligated monthly payments by paying my payments in a month in advance. This was due to having so many problems with Fortiva billing. XX/XX/2020 I made a payment of {$50.00}. Since there were no payment due for XX/XX/2020 because XXXX payment was made in XX/XX/2020. My payment are due the second of each month. So I made the payment after XX/XX/2020 that posted on XX/XX/2020. The exact same day my XX/XX/2020 statement was generated. Around XXXX XXXX I started getting texts message saying I had a payment due in the amount of {$42.00} due XXXX XXXX. I call customer services only to get someone attempting to get me to lose my cool by making up reasons that made no sense at all. I have sent a email to the CEO office and received no response. I have sent a email through general contact no response. Today I check my account and its past due. I went from having no payment due to being past due over hundred and some dollars. After going back and reviewing my account adding up all payments and fees. Too my surprise the requested payment of {$42.00} was actually my payment of {$50.00} minus {$7.00} which is the monthly service fee. I have gotten matter resolved by going to the XXXX then and only then did Fortiva corrected billing inaccurate statements. All the text message and trying to force me to pay the past due amount {$42.00} stating its past due when the payment was made. I dont know what to do because making any kind of payment would be saying I agree with the billing thats incorrect. Now I am in danger of outrageous charges that can get in the thousand of dollars quickly if not resolved. I feel this is complete fraud due to having to deal with the exact same thing month after month with Fortiva credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca ( XXXX ) XXXX-XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: SC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-08-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
The card is closed on my account and the balance is paid. I would like it removed from 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 2020-08-13 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: CA

Complaint narrative:
I AM VICITM OF AN IDENTITY THEFT, AND I HAVE BEEN STRUGGLING TO HAVE THE FRAUDULENT ITEMS REMOVED FROM MY CREDIT REPORT. I HAVE FILED MY IDENTITY THEFT, MY POLICE REPORT AND A PERSONAL STATEMENT THAT THSESE ACCOUNTS AND THE CHARGES ARE NOT MINE. I SPOKE WITH EXPERIAN AND THEY KEEP TELLING ME THAT THE ACCOUNTS CANT BE BLOCKED BUT AS A CONSUMER I HSOULD HAVE SOME RIGHT, AND SOMEONE SHOULD HELP ME. I AM VICTIM THESE ARE NOT MY ACCOUNTS, I HAVE NO IDEA WHO HAS BEEN MAKING THE PAYMENTS, WHO IS DRIVING THE CAR, I NEED THESE ACCOUNTS TO BE REMOVED BECAUSE MY FICO SCORE IS REALLY BAD AND I NEED TO RENT A NEW HOUSE. NOT ONLY I AM VICTIM OF AN IDENTITY THEFT, NOW ME AND MY KIDS WILL BE HOMELESS BECAUSE NO ONE CARES. AGAIN I AM VICTIM OF AN IDENTITY THEFT, THE ACCOUNTS ARE FRAUDULENT, THE CHARGES ARE FRAUDULENT, THE PAYMENTS MADE ARE 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 2020-08-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Riverwalk Financial Corporation
State: CT

Complaint narrative:
I have ask numerous time for the credit Beurus/ Collection Agency to Show proof as this being my account as the FCRA requieres. With no success this account does not belong to me. Unless it can be proven otherwise I need this account deleted. XXXX/XXXX deleted the account as the collection agency did not provide proof as requested but this account continues to be in my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: NV

Complaint narrative:
Last year XXXX XXXX has been charging me for an annual membership. We went for one visit and left the park due to my daughter having XXXX XXXX. We spoke with a membership representative after getting on one ride and the occurrence happening. The customer service said not to worry that they understand since it happened all very quickly.. the membership would be canceled with cause of medical conditions. We left and returned home.. they continued to charge my card monthly. There is no customer service to call you can only email. After 3 months of trying to get this issue fixed and actually speak with someone with no luck. I was contacted by a collection agency. They said there was nothing that could happen. For me to pay over {$1000.00}. There has never been a live representive to speak with at XXXX XXXX. XXXX XXXX has no communication and we had paid for our visit that day and was charged multiple times. On top of everything the place has been closed due to COVID and still send me to collections. They have already charged me well over {$600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: SC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: SC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-08-13 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:
When receiving a letter from XXXX XXXX XXXX about a credit card that I supposedly took out. I reached out to the company via letter after going back and forth about it they would not produce documentation about the credit card account. They would only send me an account summary that was with the Name XXXX XXXX nothing from the original like I had requested and is my right under federal law. 

I also sent a letter to Experian and they mailed me a letter with only a summary showing the account as updated but did not provide any type of documentation like I had requested either. 

If you need all documentation that I have sent and received. Please let me know. I can scan and email them over to you. 

I sent a response to both companies today XX/XX/2020

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 2020-08-13 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX  XXXX {$990.00} XXXX XXXX {$19000.00} XXXX XXXX XXXX {$87.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I AM VICITM OF AN IDENTITY THEFT, AND I HAVE BEEN STRUGGLING TO HAVE THE FRAUDULENT ITEMS REMOVED FROM MY CREDIT REPORT. I HAVE FILED MY IDENTITY THEFT, MY POLICE REPORT AND A PERSONAL STATEMENT THAT THSESE ACCOUNTS AND THE CHARGES ARE NOT MINE. I SPOKE WITH XXXX   AND THEY KEEP TELLING ME THAT THE ACCOUNTS CANT BE BLOCKED BUT AS A CONSUMER I HSOULD HAVE SOME RIGHT, AND SOMEONE SHOULD HELP ME. I AM VICTIM THESE ARE NOT MY ACCOUNTS, I HAVE NO IDEA WHO HAS BEEN MAKING THE PAYMENTS, WHO IS DRIVING THE CAR, I NEED THESE ACCOUNTS TO BE REMOVED BECAUSE MY FICO SCORE IS REALLY BAD AND I NEED TO RENT A NEW HOUSE. NOT ONLY I AM VICTIM OF AN IDENTITY THEFT, NOW ME AND MY KIDS WILL BE HOMELESS BECAUSE NO ONE CARES. AGAIN I AM VICTIM OF AN IDENTITY THEFT, THE ACCOUNTS ARE FRAUDULENT, THE CHARGES ARE FRAUDULENT, THE PAYMENTS MADE ARE 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 monetary relief
Consumer complaint received 2020-08-13 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I AM VICITM OF AN IDENTITY THEFT, AND I HAVE BEEN STRUGGLING TO HAVE THE FRAUDULENT ITEMS REMOVED FROM MY CREDIT REPORT. I HAVE FILED MY IDENTITY THEFT, MY POLICE REPORT AND A PERSONAL STATEMENT THAT THSESE ACCOUNTS AND THE CHARGES ARE NOT MINE. I SPOKE WITH XXXX   AND THEY KEEP TELLING ME THAT THE ACCOUNTS CANT BE BLOCKED BUT AS A CONSUMER I HSOULD HAVE SOME RIGHT, AND SOMEONE SHOULD HELP ME. I AM VICTIM THESE ARE NOT MY ACCOUNTS, I HAVE NO IDEA WHO HAS BEEN MAKING THE PAYMENTS, WHO IS DRIVING THE CAR, I NEED THESE ACCOUNTS TO BE REMOVED BECAUSE MY FICO SCORE IS REALLY BAD AND I NEED TO RENT A NEW HOUSE. NOT ONLY I AM VICTIM OF AN IDENTITY THEFT, NOW ME AND MY KIDS WILL BE HOMELESS BECAUSE NO ONE CARES. AGAIN I AM VICTIM OF AN IDENTITY THEFT, THE ACCOUNTS ARE FRAUDULENT, THE CHARGES ARE FRAUDULENT, THE PAYMENTS MADE ARE FRAUDULENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE BEEN TRYING TO HAVE THE FRAUDULENT ACCOUNTS REMOVED/BLOCKED FROM MY CREDIT REPORT. I HAVE ALSO FILED A POLICE REPORT, I HAVE REACHED OUT THE CREDITORS WHO ISSUED THE FRAUDULENT ACCOUNTS. THE CHARGES ARE NOT MINE, THE ACCOUNTS ARE NO MINE, I AM VICTIM MY KIDS ARE A VICTIM BECAUSE WE NEED TO MOVE NO ONE WILL RENT US A HOUSE, HOW FAIR IS THAT???????

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