vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-22 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: TX

Complaint narrative:
I contacted XXXX to clear a {$67.00} balance from XXXX and they can not find the account with my drivers license, date of birth or social security number. They stated they would need the FULL account number. 
I contacted Experian to get the account number and they stated they could only provide the last 6 digits of the account and then they updated the account as a current charge off ( XX/XX/XXXX ) and DECREASED my score. 
I contacted Experian again and spoke with a different agent. This person was able to locate the full account number and stated she would correct the charge back to XX/XX/XXXX and remove the XX/XX/XXXX / XX/XX/XXXX that are incorrect. This has NOT been completed ( see screen shot below from my credit report ) I contacted XXXX with the account number given to me from Experian and once again they stated they could not find anything. I do not know how to clear this {$67.00} charge off from XXXX from my credit report. 
Please assist. 
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 2021-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
XXXX-Speedy Cash have claimed that I filed a payday loan in the amount of {$300.00} with their office. I filed a dispute through XXXX  to dispute this as this account is not mine and stated I have no knowledge of the account. They denied my dispute and then reopened the account with a new debt collector showing I opened the pay day loan in XXXX which is again not my account and the original debt was showing opened in XXXX. 

I want this account removed from all 3 credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: PA

Complaint narrative:
Hello, Ive contact XXXX about 10 times to have these injuries removed and for some reason they haven't, not there is a new injuries on my account not understanding why they will allow if I and fraud alert on my account. please remove these injuries off my report XXXX XXXX XXXX TD bank XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
I continue to receive calls for a payday loan ( Ace Cash Express ) I took out in Texas but had since received a letter from them years ago stating that they had discharged the debt. When offering to send them a copy and asking for their address or email they will not provide and start cursing me and threatening legal action. The do not cease to call me eventhough I requested they send everything to me in writing in which they have not for months now. They just keep calling and harrassing me and not giving me any recourse to present evidence of debt not owed and no proof presented to me that the debt is still owed, which it isn't because I believe they went out of business in Texas or got sued for practices or something but the letter was sent to me while I was in Texas of the debt being discharged. I'm sick of the calls, the harassment and the rudeness! 
It starts off as a robo call press # XXXX to be connected then it connects and then they give you your dob and name and verify it's you then when you say i've received multiple calls and have tried to get an address to send proof they start cursing and telling you that " you seem very angry '' and berating you and telling you that they don't need to give you an email or address that they are going to file a civil judgement against you and threatening you. But they give no means to send proof of debt not owed. It's harrassment!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: GA

Complaint narrative:
On XXXX XXXX, 2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: NY

Complaint narrative:
Attention to XXXX, XXXX, and Transunion, I am a victim of Identity theft. There is a fraudulent account on my credit report that is not mine. I filed an Identity theft report with the Federal Trade Commission. I have attached proof of my Identity which is my State ID and a utility bill. I have listed the fraudulent account below. The fraudulent information is not related to any transaction of mine. Please block and remove this account within 4 days of receipt according to FCRA Section 15usc1681c-2. The letter is notarized to prove that it is me sending the document.

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 2021-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
We were covered under medical insurance and the company indicated that they were not sending this account to collection. Under the Fair Credit Reporting Act, We never received any written, oral or email notification that this account was going to collection or would be reported to the credit bureau.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My XXXX XXXX XXXX son purchased XXXX games from XXXX XXXX XXXX for {$94.00} and {$29.00} via Paypal. I filed a case with Paypal and they denied the request, despite the fact it was apparent this was an order for a children 's game.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: SC

Complaint narrative:
On XXXX XXXX, 2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: FIRST HAWAIIAN, INC.
State: CA

Complaint narrative:
First hawaiian bank is showing a late payment in XX/XX/XXXX / XX/XX/XXXX and I do not recall being late on auto loan. Being soo close to the drop off date I am requesting to see if they could kindly remove this remarks off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
These credit inquiries are unauthorized and need to be removed from my credit report 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 non-monetary relief
Consumer complaint received 2021-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
Gm financial has failed to report accurate information on my credit report for over 1 year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX/XXXX  XXXX XX/XX/2020 XX/XX/2020 XXXX/XXXX  XXXX  XX/XX/2020 CITIZNSONE XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC
State: NY

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX/XXXX  XXXX XX/XX/2020 XX/XX/2020 XXXX/WESTLAKE FINANC  XX/XX/2020 XXXX  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 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

ALLY FINANCIAL inquired XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XXXX XXXX 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 2021-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
Thank you in advance for your attention in resolving unfair practices with Selected Portfolio Servicing. As of today XX/XX/2021, we have been denied a reasonable loan modification. SPS is not being helpful during the Covid 19 crisis. We were approved for forbearance plan with their previous servicer XXXX. When the loan got transferred to Select Portfolio Servicing, Inc we have applied for a modification or any form of assistance because we are not able to make 3 months payment at once. After the forbearance plan ended we have never missed a payment. 
We were denied loan modification because SPS was unable to create affordable payment within the programs guidelines. We have appealed your denial, and we were denied again. We are in chapter XXXX bankruptcy and we are not able to pay 3 payments at once. 
We just want SPS to add these 3 payments to the back of our loan or to the principal balance. Hope you are able to help us and other upcoming customers with the same issue. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: FL

Complaint narrative:
Hello In XX/XX/XXXX I was involved in hurricane Michael and lost my home and my job for about a month or a little longer. I contacted XXXX XXXX  and they allowed me to make payments when I could and said due to my circumstances it wouldnt affect my credit. I was in contact with them for months. Well in XX/XX/XXXX XXXX XXXXl was bought out by XXXX XXXX XXXX XXXX. I wasnt notified well let me clear that up I want aware due to still not having a home so I didnt get any mail. Fast forward when I found out in XX/XX/XXXX due to me checking my credit card I saw I had received a late payment remark. I called around and ended up getting in contact with someone at XXXX XXXX. They told me to make a payment to get things cleared up after I told them my situation and the agreement I had with XXXX. I called XXXX XXXX again in XX/XX/XXXX since I was due for a deferment and I was told again it wouldnt affect my credit. I made a payment in XX/XX/XXXX. XXXX XXXX made another mistake by hitting me with XXXX  30 day late payments on XX/XX/XXXX and XX/XX/XXXX. I have contacted them several Times to fix this and they have refused. I finally decided to send a letter To the credit bureaus on XXXX. XXXX to verify my late payments that were put on my credit report falsely. Equifax out of all 3 bureaus are they only ones who have responded since XX/XX/XXXX. They did not send me anything that they verified the late payments Were made. They only sent a letter back saying yes we verified. I have never denied that the XXXX XXXX account wasnt mine. I sent two certified letters asking them to verify and check and remove the late payments of XXXX XXXX failed to send over proof that all of the missed payments were made. Equifax has failed to provide proof of my rights. XXXX  and XXXX  has not even responded to my letters that I sent in XXXX and in XXXX by certified mail. Im asking my late payments to be removed if XXXX XXXX XXXX  fails to yet again provide the proof that all of the XXXX late payments are accurate. This has really affected my life and giving me a chance to give my kids a place to live. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: FL

Complaint narrative:
Good afternoon, My credit score went up 70 points and then went down 70 points due to my credit card usage percentage. I have already fixed that problem. The card usage is below 40 %. Please readjust my score to reflect back to the XXXX score.

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 2021-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP
State: CA

Complaint narrative:
i inadvertently missed a payment on my car loan for XXXX. the last time i paid was the end of XXXX. the only way i found out is that i saw a late charge on my financial software. while i'm okay paying a late fee for my error, this does affect my credit score. i called and asked if there was a way US Bank could notify me if i missed a payment. i was told that i should have received a phone call or a letter. i received neither. they have my correct information, including my email where i definitely receive my statement each month. i do not answer my phone if i don't know the number, but i get voicemails in XXXX, i get voicemails from car warrantly companies, i get voicemails for vacations, but i never received a voicemail from US Bank. i did not receive a letter, i did not receive an email. yet my payment was 6 weeks late and they charged me a late fee with no notification that i was late on my payment. when i called in they said there was no other way to notify me or alert me except the methods that they *did not* perform. this seems to me fundamentally dishonest, wrong, and quite possibly illegal. please keep your eye on them. thank you.

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 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX inquired XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XXXX XX/XX/2020 FORD MOTOR CREDIT CORP XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: NY

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX  inquired XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 CREDCO XX/XX/2020 XXXX XXXX XXXX XXXX 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