vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
****SEE ATTACHMENT*** PLEASE - I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX  XXXX  XXXX  for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC
State: TN

Complaint narrative:
I put a formal dispute within 30 days. The debt collection agency acknowledged that they received my request. I have not received the information that I have requested, but have been receiving calls daily. I reached out to the agency to see why I am receiving calls when I have not been given the information I asked for. The agency has not responded. 

Before I put in my formal dispute, I had two calls on which the caller would not identify themselves, but wanted me to verify personal information and the callers were rather rude and abrupt when I questioned who they were.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: TX

Complaint narrative:
There are several negative items and unapproved inquiries on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2020-12-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are several negative items and unapproved inquiries on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2020-12-29 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: Dakota Financial, LLC
State: NY

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, DAKOTA FINANCIAL LLC add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have a closed account on my equidax report from 2014 that has been charged off. The report doesn't include any of the charged off information. Or any indication the item is charged off.i have sent over letters from the company to equifax stating the item is charged off. Equifax won't update the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC
State: AL

Complaint narrative:
Due to the pandemic, I have been making budgets to ensure on-time payments for my bills. On XX/XX/2020 @ approx. XXXX XXXX, after reviewing my Personify Financial bill, I contacted the company. I was disturbed because when I reviewed my statement on line, I discovered that after 12 months of paying this bill, I still owed more than I borrowed. 
I thought it was a mistake so I contacted Personify Financial at XXXX XXXX XXXX XXXX. My account number is : XXXX. I have attached my Loan Details page, Payment History Page ( 2 pgs. ), and Original Amortization Schedule. ( 4 pgs. ) I was informed by a young man with an accent that the call was being recorded ; so I'm sure they will have a record of the call that was made. I inquired about why the loan was still reflecting more than I borrowed, he responded that my interest rate was 99.5 %. Of course I was shocked, I accept this error because I did not know until today. I then informed him that according to the loan details the int. rate was 97.47 % ( still borderline XXXX  ) He then informed me that int. rates were reduced based on payment history. I asked him who I could talk with to have the int. rate reduced, he told me that my contract would not allow the int. rate to be reduced, after previously telling me there was a way to have the interest reduced. When I inquired again for an explanation as to who to contact to negotiate a reduction in the interest rate, our call was disconnected. Please be advised, my account is in excellent standing, no missed payments and I have no intention of missing payments. This ( not knowing the interest rate ) is a big mistake I made, not paying attention to detail. If possible, can CFBP inquire on how I would negotiate with the company for my interest rate to be reduced. If this is not possible, I would also like for others to know to please read the terms of online loans especially with Personify Financial ; before agreeing to them. When signing for this loan, I did not realize the interest rates were almost criminal extortion or I would not have taken the loan. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2020 XXXX  subtracted 48 points from my credit score because of a remark that was added by XXXX XXXX. That remark was immediately removed from my XXXX  credit report the same day by XXXX XXXX but XXXX  failed to restore and add the 48 points back to my score. 
EquiFax did the very same thing on XX/XX/2020 for 24 points and failed to restore and add the 24 points back to my total score. I have submitted complaints to both credit reporting agencies in writing to no avail. It's hard enough making the effort to raise your score then to have the actual credit reporting agency remove points so that all the companies out there and the underhanded finance system can continue to exploit the majority of people with high interest car loans and little to no capital payoff amounts. And are they supposed to do any of this during Covid-19 pandemic. If I can I would like to sue them in a court of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avant Credit Corporation
State: PA

Complaint narrative:
I reached out to this company because I saw their name was listed on credit report and I wanted to try to rectify this instead of taking Bankruptcy. Upon calling XXXX  XXXX, I realized and was informed that another company is managing the debt and they are simply recording the information to my credit bureau. They stated that XXXX  XXXX  at XXXX is managing this, but I have never received any communication from XXXX  XXXX  or from XXXX  XXXX  in reference to this debt. In an attempt to try to settle the debt for {$1000.00} XXXX XXXX stated that XXXX XXXX  would not accept this offer. This is highly confusing to me. I never received anything that stated anything about this debt. I never got informed who to contact or call. Even when I spoke with XXXX  XXXX, they did not even know my mailing address and throught I still lived in XXXX XXXX, FL, which I have not lived in for over 5 years. 

I really wish to settle, close, and have this collection removed from my credit report. If XXXX  XXXX  has done something illegal in this endeavor, they need to zero out the account and remove this from my credit report immediately/ The offer is valid for {$1000.00} and I will not offer a penny more. XXXX  XXXX  must handle this debt and a 3rd party of a 3rd party is not going to be acceptable to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, BK OF AMER add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-29 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: NM

Complaint narrative:
XXXX XXXX is reporting multiple account numbers as follows XXXX # XXXX, XXXX  # XXXX ..., TransUnion must delete this account do to erroneous, incomplete and unverified account number information. Attach to this dispute I am providing a letter from the actual furnisher of information with a different account number also an attach credit report from XXXX also with a different account number both to prove my case.

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 2020-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion is reporting the following items inaccurately. Can someone please look into this? Thank You ACCOUNTS XXXX XXXX XXXX XXXX never late US DEP ED XXXX not mine XXXX XXXX not mine INQUIRIES  XXXX  XXXX  XX/XX/XXXX unauthorized XXXX  XXXX  XXXX ; XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX  XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX/XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX  XXXX  XX/XX/XXXX unauthorized XXXX  XXXX  XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized

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 2020-12-29 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, XXXX XXXX, 2019, XXXX XXXX, 2019, TD AUTO FINANCE add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
When I opened my account with TD Auto Finance Account # XXXX Upon doing that I put the account on Auto pay. All payments have concluded in a timely fashion without any hitch. The last payment for some reason did not debit automatically. I was not aware of any issues as soon as I was after trying to apply for a refinance. I made the payment immediately.. 
I would like to to resolve this easily without having to escalate the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: SC

Complaint narrative:
I needed these items removed or corrected per my request below. Each item lists the exact reason, and this information is taken directly from my credit report. These are irrefutable facts! XXXX  didn't do anything after their investigation. My request has been looked over and I feel like I've been treated unfairly cause as a consumer I have rights and laws I have been broken. 

XXXX XXXX XXXX XXXX # XXXX THIS ACCOUNT DOES NOT BELONG TO ME XXXX XXXX # XXXX THIS ACCOUNT DOES NOT BELONG TO ME XXXX XXXX # XXXX THIS ACCOUNT DOES NOT BELONG TO ME XXXX  XXXX  # XXXX THIS ACCOUNT DOES NOT BELONG TO ME XXXX XXXX  # XXXX THIS ACCOUNT DOES NOT BELONG TO ME XXXX  # XXXX -- THIS ACCOUNT DOES NOT BELONG TO ME

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 2020-12-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prosper Marketplace, Inc.
State: TX

Complaint narrative:
I sent Prosper Marketplace Inc. a request for validation of a debt which has already been paid but I am yet to receive a response. They have engaged in deceptive, illegal and abusive debt collection practices. I have tried to resolve this account issue directly with them but they refuse to engage or respond.

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 2020-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I have several collections from DEBT RECOVERY SOLUTIONS on my credit file. Some are duplicated. I sent a request to this agency asking them to validate this account. They never validated anything yet they continue to report it on my credit as well as duplicate accounts making it look like more accounts with the exact same dates and amounts. I have medical insurance. The hospital can't locate the debt this agency is reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: TCF NATIONAL BANK
State: NY

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, CHEMICAL BANK - XXXX and XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authori zation Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: OH

Complaint narrative:
CFPB NEEDS TO INVESTIGATE THIS NOW!!! This is in rebuttal to case XXXX. XXXX XXXX XXXX  is in violation of UDAAP, Reg Z Billing disputes and FCRA! They continue to report my account past due for XXXX and XX/XX/2020!!! They clearly know I had XXXX  in early XXXX and did not get out of the XXXX and back to normal until early XXXX!!! NO ONE WOULD TALK TO MY HUSBAND TO GET ME ANY HELP ON MY ACCOUNT!!!! THEY SAID HE WAS NOT ON THE ACCOUNT AND COULD NOT ASSIT HIM!!! HE THEN PASSED AWAY FROM XXXX  IN XXXX BY THE TIME I COULD GET IN CONTACT WITH MY XXXX XXXX I HAD {$100.00} 'S IN LATE FEES AND MY CREDIT IS RUNIED!! They told me, oh had they been aware, there was options that could had prevented all of this!! Well my husband tried making them aware!! They would not talk to him!!! The same for my XXXX Account! I almost died from COVID AND THESE XXXX UP LENDERS DO NOT CARE ABOUT THE CONSUMER!!! THIS IS UDAAP!! HOW COULD I WHEN ON LIFE SUPPORT CALL ANYONE AND THEY WOULD NOT TALK TO MY HUSBAND! ONCE I COULD, I PAID THIS ACCOUNT IN FULL AND THE COLLECTION REP SAID, MY CREDIT SHOULD BE CORRECTED, BUT I WOULD NEED TO FILE A DISPUTE FOR BOTH THOS ACCOUNT AND XXXX. HE SAID SOMEONE SHOULD HAD TALKED TO MY HUSBAND AND I SHOULD HAD BEEN OFFERED THE ASSISTANCE OPTIONS THAT WERE AVAILABLE!!! I PAID THIS ACCOUNT IN FULL AND THEY TOLD ME MY CREDIT SHOULD BE FIXED NOW FIX IT!!! I HAD TO CREMATE MY DAUGHTER WHO DIED FROM XXXX LAST MONTH BECAUSE THESE CARELESS JERKS RUNIED MY CREDIT!!! I COULD NOT AFFORD NOR GET A LOAN TO GIVE HER A PROPER FUNRAL!! THEY NEED TO BE HELD ACCOUNTABLE FOR THIS!!! OH - THE REG Z VIOLATION IS THEIR FAILURE TO RESPOND TO MY BILLING DISPUTES I ISSUED TWICE!!

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