vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-10 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: MA

Complaint narrative:
HI EXPERIAN ; XXXX/EQUIFAX ; ****SEE ATTACHMENTS**** I disputed this account here ( XXXX  XXXX  Account # XXXX Charge-off Balance : {$800.00} ), but you continue to report incomplete, inaccurate, misleading and multiple inaccuracies on the way this account is reporting. This account was paid in full months ago, and it was so to be deleted or removed from my credit report, but instead, it continues to report all these errors and it mentioned that it's causing this account to illegally re-aged, causing me stressed and thousands of dollars in the interim. Delete now because I have not supplied proof under the doctrine of estoppel by silence. Engelhart v Gravens mo 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists. FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), and under Section 611 ( 5 ) ( A ) ( a ) ( 7 ) of the FCRA, and15 U.S. Code 1692g - Validation of debts _ U.S. Code _ US Law. FCRA 611 ( 15 U.S.C. 1681I )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
My credit report has accounts reporting that should not be reporting on my consumer file under 15 USC 1681 and 15 USC 1681b. I have tried to communicate with these companies to resolve the problem and I have not received a response. I am suffering mentally and under the Fair Debt Collections Practice Act my rights are constantly being violated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: TX

Complaint narrative:
My credit report has accounts reporting that should not be reporting on my consumer file under 15 USC 1681 and 15 USC 1681b. I have tried to communicate with these companies to resolve the problem and I have not received a response. I am suffering mentally and under the Fair Debt Collections Practice Act my rights are constantly being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: FL

Complaint narrative:
I disputed XXXX XXXX/Account XXXX and XXXX XXXX XXXXXXXX Account XXXX on XX/XX/2021. The reason why I'm disputed these account is because they are reporting inaccurate on my credit report. Yet Experian has done nothing to change this. I dispute these accounts 4 times and still got no change. Experian say its verified but I provide the correct information several times that is not correct. Activity is reported after these accounts were closed. This is a violation of the law and is incorrect on both these accounts.

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 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
My name is XXXX and I am reaching out with hopes of receiving resolution to matters concerning Southwest Credit Systems with the original creditor being XXXX XXXX. I have been attempting to improve my credit with the assistance of a family member who wrote and mailed a check out to settle my debt. A few weeks back after being denied an auto-draft loan by my bank & being told Southwest debt was a matter that needed to be paid and proof of the settled debt which was on my credit report needed to be provided as support. I reached out by telephone on or about XXXX or XXXX. I inquired about the amount owed and what I saw on my report that needed to be settled & informed them that a family member would be paying the full amount requested. I was asked if the individual could pay by credit card and I said I am thankful to receive and remedy this matter but I would not or could not tell my family in what form of payment to use. I was grateful for the offer. I was provided with a ref # for the matter XXXX and provided with a mailing address of Southwest Credit Systems XXXX XXXX XXXX XXXX, Texas XXXX. My family immediately mailed a check out in the amount of {$520.00}. Southwest was informed of what was mailed out and I was instructed to check back in a week and I also inquired about when I would be receiving a paid off letter. I was asked for my personal not work email and was told my zip code would be my password to access the paid off notice. I have been reaching out requesting and reaching out only to be told the check was not received. It was mailed from XXXX going to XXXX, Texas & not by pony express. I resolved another matter like this around the same timeframe and the payment went to California, was received & processed. I have been asked by my family member to produce a letter stating my debt is {$0.00} and have not been able to do so. I was told to keep checking. I have been seemingly been getting the run around. I've spoken to several individuals to no avail. One name I remember was XXXX XXXX, & now today XXXX I was told by a manager that the account was taken back by the original creditor ( XXXX ), which made no sense at all to me because I contacted XXXX before reaching out to Southwest and was instructed to call Southwest. The manager without any care or concern in her voice was useless!. I know I am spelling that XXXX  name incorrectly but the managers name was XXXX. I can be reached at ( XXXX ) XXXX Thank you in advance for any assistance that you can provide with this matter. I asked what happens to the check my family mailed out that they are alleging they did not receive? Also, what happens to Southwest Credit Systems sitting on my Credit report? Should I retain counsel regarding these concerns? 

Thank you in advance for your assistance with this matter. 

KE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: GA

Complaint narrative:
I am an identity theft victim and I have previously placed fraud alerts on all 3 of my credit files. Someone continuously has tried to apply for credit and inquiries are all over my report. I have not authorized anyone to apply for anything and my I have not attempted to apply for credit. I have already submitted an identity theft affidavit along with a police report and request to block or remove these inquires and yet there has been no change on my reports. These fraudulent inquiries need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MI

Complaint narrative:
I activated an authorized Discover credit card on XX/XX/2021. Following purchases, on XX/XX/XXXX, I received an email from Discover Financial Services requiring my consent to receive tax information from the Internal Revenue Service ( IRS ) to verify information on my account. I obliged the request, filled out the authorization form and submitted it within the allotted 5 days. Unbeknownst to me, the IRS has an old address ( assumed to be XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Michigan XXXX ) on file that does not coincide with my current address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX MI XXXX. Therefore, they would not grant Discover access to my records. As a result of this Discover apparently sent a request to me for my old addresses, which had already been provided to them in the past. The email requesting this information went to my spam folder and I never saw it. As a result of not receiving a response from me Discover Financial Services made an internal decision to close my card, that was communicated to me on XX/XX/2021, with a balance still on it. While I can not use the card, I can pay on the balance. This abrupt closing of my account has significantly negatively impacted my credit score by making it seem as though I am utilizing 155 % of my credit due to the balance of the card still being reported but it's status being closed. It's basically causing it to look as though I am using far more of my open credit than I actual have available, which significantly decreases my store.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
i have recently applied to open a bank account especially with ( XXXX XXXX  ) and XXXX XXXX  stated I'm being reported to early warning services & XXXX XXXX. 

which is inaccurately and honestly hurting me to open a checking account. 


whatever innsttuitionn is stating I owe any debt has been paid and need to clear my file for EWS & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: TX

Complaint narrative:
My credit report has accounts reporting that should not be reporting on my consumer file under 15 USC 1681 and 15 USC 1681b. I have tried to communicate with these companies to resolve the problem and I have not received a response. I am suffering mentally and under the Fair Debt Collections Practice Act my rights are constantly being violated.

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 2021-08-10 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: Collection Professionals, Inc.
State: SC

Complaint narrative:
I have tried to contact them and they didnt respond. I dont know whos address it is they was sending the personal mail to and have listed on file. Its impacting my credit report and stopping me from applying for a house. Ive called the company and they didnt resolve or give me a reason for anything. Account balance {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Earlier this year, 2021, I was bombarded with anonymous phone calls to my home with demands for payment for an overdue bill from a company identifying itself as XXXX XXXX XXXX. I repeatedly requested that they send me paperwork to validate these claims. But, I received nothing in print to verify this company 's claim. I can prove that I have received nothing from this company as my room mate has USPS photo monitoring of our address. If they refuse to validate this claim, how am I to know if they have a valid claim. Just recently, when I attempted dispute this claim via XXXX XXXX, Transunion dropped my credit rating from XXXX to XXXX! How can they do this if the XXXX XXXX XXXX, XXXX.refuses to validate their claim? Through XXXX XXXX I keep a phone log, but XXXX XXXX XXXX XXXX XXXX doe not identify their calls. How am I to know that their calls are not from scammers.

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 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to dispute a XXXX reported delinquency on my payoff of the lease-end residuals. I just want to take this opportunity to point your attention to the fact that I have 2 leases with XXXX XXXX for the entire life ( 3+ years ) of these leases I was never late with my payment. 
I was paying it off in a good faith, as arranged with their lease-end dept. representatives, who reassured me that have time to pay until charge-off of the Account, that would have happened in XXXX, 2021, when I spoke to them in XXXX and then again in XXXX. Based on that arrangement I spaced my payments to complete paying off the balance by end of XXXX. To accomplish this I was making 2 to 3 payments a month ( see below ). 
Date Received Amount XX/XX/2021 {$400.00} XX/XX/2021 {$200.00} XX/XX/2021 {$150.00} XX/XX/2021 {$150.00} XX/XX/2021 {$150.00} XX/XX/2021 {$150.00} XX/XX/2021 {$300.00} Now when I found out that my account was reported as delinquent on XX/XX/XXXX, which caused my credit score to plummet, I called again and happen to talk to the same XXXX representatives I spoke in XXXX, but he didnt acknowledge that arrangement, and continued to state that they didnt indicate that I have time to pay until charge-off of the Account that would have happened in XXXX. They caused me financial difficulty by reporting my account as delinquent to 3 credit agencies, which caused my credit score to drop 40+paoints ( from excellent to good ).

As a result I filed a dispute with 3 Credit Agencies : Experian, XXXX, and XXXX  and writing to you as a consumer with an excellent credit rating to right this wrong so that I can have back my excellent credit score that I worked so hard to build and maintain for the past 15 years. They ruined me. Looking forward to the positive outcome of this complaint.

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 2021-08-10 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: Chime Financial Inc
State: KS

Complaint narrative:
On XX/XX/21 I realized I lost my card after searching a several times.I call my bank to notify them and ask them to lock my card because I dont have access to my phone who is connect to my online banking account. 
On XX/XX/21 after consulting my bank account, I found out a lot of unauthorized transactions has been made on my card, so I call chime back to let them know about the issue. All the total amount was XXXX XXXX 
On the same day I received a statement of dispute form who I filled out and send back by email with all the information needed including the last transaction I did with my card. 
After waiting couple days, On XX/XX/21 I received an email from chime saying my claims has been denied based on them investigations .On they next day I requests for a copies of them investigations On XXXX XXXX XXXX I received an email with a copies of the investigations. 
After looking trough, I concluded that the didnt do any investigations base on the copies of documents that was attached on them investigations. As you can see on the documents the provided, there was a lot of transactions who has been made with the same card at the same times in different stores.how than can be possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collins Asset Group, LLC
State: OH

Complaint narrative:
I ( the consumer ) XXXX XXXX have spoke with this company multiple times on recorded lines about this fraudulent account that I do not owe. The numerous times I spoke with the reps I told them to stop contacting me through all forms of communication and they clearly are ignoring me and used non stop obscene and profane language and continuously kept saying I owe this debt that they ( purchased ) from XXXX XXXXXXXX XXXX XXXXXXXX. They have sent me numerous post cards attempting to collect a debt and they have also reported this fraudulent account to the consumer reporting agencies which heavily effected my credit score. Due to the major negative impact it has retriggered my XXXX causing me to fall behind on other credit card payments and rack up multiple late payments hurting my credit report more. My XXXX is XXXX  my ability to sleep, work, and properly function in my everyday life. This collection account caused me to be away from my family, I am currently living out of my car because my spouse thinks im bad with money and our finances and seeing these letters and account on my consumer reports damaged her trust in me with our income. Lastly I have been denied numerous credit cards and auto loans because underwriters see this negative remark on my report. I am now seeking legal counsel and litigation proceedings through District Court because of the amount of irreparable damages that has been done to my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: FL

Complaint narrative:
I disputed XXXX XXXX/Account XXXX and XXXX XXXX XXXXXXXX Account XXXX on XX/XX/2021. The reason why I'm disputed these account is because they are reporting inaccurate on my credit report. Yet Transunion has done nothing to change this. I dispute these accounts 4 times and still got no change. Transunion says its verified but I provide the correct information several times that is not correct. Activity is reported after these accounts were closed. This is a violation of the law and is incorrect on both these accounts.

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 2021-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
My name is XXXX and I am reaching out with hopes of receiving resolution to matters concerning an account I had that went into collection. One is with Midland Credit Management the original creditor was XXXX XXXX XXXX. I have been attempting to improve my credit with the assistance of a family member who wrote and mailed a check out to settle my debt. I made an agreement with Midland Credit on XXXX, received my settlement offer letter by mail and the check posted to my family 's account XXXX Ref # XXXX. I have been reaching out requesting a paid off letter/notice as promised by Midland and have been seemingly getting the run around & being told to check back in a week, it's pending a settlement etc.. I was also told I could go online to MCMXXXX. I did so and it seems as if Midland generated a 2nd account with the balance of the Original Credit amount owed. I have been asked by my family member to produce a letter stating my debt is {$0.00} and have not been able to do so. Midland has been ask by me to provide a definitive day & date I can retrieve and receive a notice reflecting a {$0.00} balance and to date it has not happened. I even asked why does it appear that another account was generated as if I did not pay the amount agreed, no clear response was provided to that question either.The Original amount owed was {$690.00} and the settlement offer they made and I accepted on XXXX was for {$590.00} ; which leaves a balance of {$100.00}, which I see outstanding. I need assistance please in the form of a Paid-Off notice. 
Thank you in advance XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
I am unaware of the listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

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 2021-08-10 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: GA

Complaint narrative:
I am an identity theft victim and I have previously placed fraud alerts on all 3 of my credit files. Someone continuously has tried to apply for credit and inquiries are all over my report. I have not authorized anyone to apply for anything and my I have not attempted to apply for credit. I have already submitted an identity theft affidavit along with a police report and request to block or remove these inquires and yet there has been no change on my reports. These fraudulent inquiries need to be removed immediately.

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