vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-27 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: CA

Complaint narrative:
1.When I check my credit report there was 2 late payment. 
In the case of XXXX XXXX XXXX, I never late over 6years.

Actually, my mon passed away because of XXXX XXXX, I had to be out of state, I didn't know late payment. ( XX/XX/2020 ) When I call XXXX XXXX XXXX, I canceled the arrears caused by Covid 19.

But I found this late payment wasn't removed. 

2.I found 1 late payment of XXXX account almost over 10 years ago. 
In my opinion, any record over 7 years ago should be removed. 
I paid off this account. 

And these 2 accounts remain on my credit report as hard delinquency.

One of the records was waived, the other record was over 10years paid off the account. These accounts that were saved by information and covid 10 years ago still remain on the record.

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 2020-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harvard Collections, LLC
State: FL

Complaint narrative:
Alert Type : Potentially Negative - New Collection Found On : XX/XX/2020 A collection change has appeared on your credit report. Please review the details of the alert for information that may indicate identity theft. 
Additional Info Please review the alert. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 

SourceXXXX Alert DateXXXX Balance Amount {$910.00} Is Collection YES Open Date XX/XX/2020 Payment Status UNPAID ( D ) Status Date XX/XX/2020 Name HARVARD COLLECTIONS Street Address XXXX XXXX XXXX CityXXXX StateIL ZipXXXX  Alert Type : New Account - New Account Found On : XX/XX/2020 A new account has appeared on your credit report. 
Additional Info Please review the alert. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 

SourceXXXX Alert Date XX/XX/2020 Account Balance {$910.00} Payment Status XXXX Name HARVARD COLLECTION SERV Business Type YC Street Address XXXX XXXX XXXX CityXXXX StateIL ZipXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2020-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: DE

Complaint narrative:
We have received a message from Fidelity credit card that there were activities on our credit card that appeared to be fraudulent. The case # was indicated as XXXX. We were asked to call tel. no. XXXX to confirm or deny those transactions. We called the number but cold not understand the identity of the charging companies. We attempted to go on line to our account and check for those transactions. We could not get to the account receiving a message that there is a " technical difficulty '' to access our account and gave the number of technical support. We called technical support but they refused to unblock the account. So, we could not neither confirm nor deny the transactions.

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 2020-11-27 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: CA

Complaint narrative:
1.When I check my credit report there was 2 late payment. 
In the case of XXXX XXXX XXXX, I never late over 6years. 
Actually, my mon XXXX XXXX because of XXXX XXXX, I had to be out of state, I didn't know late payment. ( XX/XX/2020 ) When I call XXXX XXXX XXXX, I canceled the arrears caused by Covid 19.

But I found this late payment wasn't remove

d. 2.I found 1 late payment of XXXX account almost over 10 years ago. In my opinion, any record over 7 years ago should be removed. I paid off this account. And these 2 accounts remain on my credit rep ort as hard delinquency. One of the records was waived, the other record was over 10years paid off the account. These accounts that w
ere saved by information and covid 10 years ago still remain on the record.

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 2020-11-27 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: CA

Complaint narrative:
1.When I check my credit report there was 2 late payment. 
In the case of XXXX XXXX XXXX, I never late over 6years. 
Actually, my mon XXXX XXXX because of XXXX XXXX, I had to be out of state, I didn't know late payment. ( XX/XX/2020 ) When I call XXXX XXXX XXXX, I canceled the arrears caused by Covid 19.

But I found this late payment wasn't removed.

2.I found 1 late payment of XXXX account almost over 10 years ago.

In my opinion, any record over 7 years ago should be removed.

I paid off this account.

And these 2 accounts remain on my credit report as hard delinquency.

One of the records was waived, the other record was over 10years paid off the account. These accounts that were saved by information and covid 10 years ago still remain on the record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2020-11-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I've seen no changes for the accounts that I have filed last month, I still see multiple 90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I paid for services that I have never received. I reached out to the merchant and they told me that they will give me my money back. They never did. I have proof of the merchant tell me that they would send me my money. I hope you could help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
midland funding has two judgements against me and in XXXX by phone they said the first one was paid and knowing I could not afford 3 payments a month, I worked out a payment plan in XXXX for the second one for {$97.00}. my credit report in XXXX reflected I owed midland {$9.00} for the first one. In XXXX midland stopped garnishing me for the first one. Then in XXXX, midland has garnished me twice for {$100.00} each, for the first one. My employer can't stop them for taking money from me even though the garnishment should have been paid off already. I don't know what to do. I can not afford to pay midland {$330.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
T

o : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX INSTALLMENT Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : EXPERIAN XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

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 2020-11-27 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: SC

Complaint narrative:
I disputed the alleged collection agency XXXX XXXX  on XX/XX/XXXX more than 2 months ago got a response from Experian that suggested that they didn't do any investigation then I did an online dispute and came back even more convinced they did not investigate the alleged collection account being that the status date didn't change at all which was one of the many flaws found in the inaccurately reported account. 

XXXX  and XXXX d

id not mail me in a report at all and as for the alleged collection agency themselves they failed to send me any proof and if they say they did not know I disputed this debt then that means that Experian lied by saying the alleged collection agency verified the debt, how could you verify an account for a dispute you did not know of? Now here I am complaining to you about this alleged collection account reporting inaccurately. 1.Date of First Major Delinquency Reported is not consistent 2. No Date of Last Activity Disclosed on Experian and XXXX  how do I know this hasnt been re-aged 3. No original Contract with Third party Clause showing the alleged collection agency as a rightful party to this alleged debt in case of default Sent to me at all If so show the certified mail proof 4. NO 1099 OID -Original Issue Discount sent to me at all If so provide me with certified mail proof 5. Balance owned/ Past Due balance on a collection account 6. Chasing a time barred Debt this debt has been past my states Statue of limitations for about a year now by looking at the alleged date of first major delinquency on this file XX/XX/2016 which is not a full date in itself 7. Account # XXXX inconsistent I have attached plenty of documents explaining my case, please take this seriously

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 2020-11-27 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: FL

Complaint narrative:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: CITIBANK, N.A.
State: WA

Complaint narrative:
XXXX  never lets me know the results of my dispute within 30 days. Have not explained why several accounts past 7 years still remain on my 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 2020-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: MN

Complaint narrative:
Diversified Adjustments continues to try and collect on a debt they dont have a contract for. They are reporting unverifiable and inaccurate information violating the FCRA. Diversified Adjustments keeps sending me old bills and NOTHING with my signature on an original contract. Two out of 3 of the credit bureaus have removed them already from my credit due to FCRA violations.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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 disputed the alleged collection agency XXXX XXXX  on XX/XX/XXXX more than 2 months ago got a response from XXXX that suggested that they didn't do any investigation then I did an online dispute and came back even more convinced they did not investigate the alleged collection account being that the status date didn't change at all which was one of the many flaws found in the inaccurately reported account. 

XXXX and Equifax did not mail me in a report at all and as for the alleged collection agency themselves they failed to send me any proof and if they say they did not know I disputed this debt then that means that XXXX  lied by saying the alleged collection agency verified the debt, how could you verify an account for a dispute you did not know of?

Now here I am complaining to you about this alleged collection account reporting inaccurately.

1.Date of First Major Delinquency Reported is not consistent 2. No Date of Last Activity Disclosed on XXXX  and XXXX how do I know this hasnt been re-aged 3. No original Contract with Third party Clause showing the alleged collection agency as a rightful party to this alleged debt in case of default Sent to me at all If so show the certified mail proof 4. NO 1099 OID -Original Issue Discount sent to me at all If so provide me with certified mail proof 5. Balance owned/ Past Due balance on a collection account 6. Chasing a time barred Debt this debt has been past my states Statue of limitations for about a year now by looking at the alleged date of first major delinquency on this file XX/XX/2016 which is not a full date in itself 7. Account # XXXX  inconsistent I have attached plenty of documents explaining my case, please take this seriously

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: DISCOVER BANK
State: WA

Complaint narrative:
XXXX  never lets me know the results of my dispute within 30 days. Have not explained why several accounts past 7 years still remain on my file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: MN

Complaint narrative:
Americollect is not registered to collect medical debts in Minnesota. The company has repeatedly not responded within 30 days and continues to report unverified, inaccurate information against me. XXXX  and XXXX  has already deleted these accounts from my credit report for FCRA violations. I have attached proof of this. I am requesting Americollect removes the two alleged debts against me for FCRA violations immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Calling and forcing debts that not mine. Call every hours saying different thing to play on my phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-27 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: TN

Complaint narrative:
I am confused and mad at the same time. I'm really trying to figure out how this bureau is even verifying anything on my report when it is clearly inaccurate!!! Its so inaccurate that XXXX  deleted these items!!! I've reached out several times to this bureau with no response on the investigation. The dates were XXXX, and XX/XX/2020. This is proof of more than 60 days since I sent my dispute when they are required to supply results in 30 days. Please make this bureau comply with the FCRA requirements.

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 2020-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc
State: CA

Complaint narrative:
MediCredit is calling me using pre-recorded messages on my cell phone and leaving voicemails. I never authorized this. Please read the attached letter. I want medicredit to contact my authorized representative. No lawsuits have been filed as of yet. 

XXXX XXXX XXXX XXXX. XXXX SBN XXXX ) XXXX XXXX XXXX XXXXF XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
XXXX  XXXX XXXX  authorization of large amounts with no funds avaible and no debit card in hand from previous fraud documented and card was not even actives by me Wire transfer done under my name and account did not get refunded Checks were aroows by text check and somehow someone else cash a check and it goes through that was for lawn care not in my handwritten and signature off way off. 
Chase credit card fraud and no physical card in hand and notified this problem serveral times in the last 2 mo cashing out more than my avaible alloted cash allowance to persons commuting fraud XXXX has my accounts load up to system before o even get in hand and fraud being done Victim XXXX XXXX accused of fraud all pmts I made legit to him. 
Account in XXXX chase card ended in XXXX not mine Thank you for you time XXXX XXXX Former XXXX  XXXX and XXXX  XXXX unique identification number documented XXXX  XXXX XXXX XXXX Louisiana Last $ $ n XXXX XXXX XXXX

Company response to consumer: Closed with explanation