vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I previously sent 4 dispute letters to Equifax asking them for verifiable proof that I owe this debt in terms of my wet ink signature or do they have any camera footage or anything the shows 100 % accuracy according to the FCRA section ( 609 ) that I owe this debt to XXXX XXXX XXXX XXXX. On one occasion I sent Equifax a non-response letter certified mail because they never responded to my initial dispute and it was almost two months later when they had 30 days to investigate and they still did not delete these two negative accounts. I even have a copy of the letter from XXXX XXXX XXXX XXXX stating that they have concluded these accounts does not belong to me because they could not validate the account information on their files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/XXXX was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 2020-08-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Action Collection Service
State: ID

Complaint narrative:
Interstate collections of Idaho has a debt that I owe to the state of Idaho. They are trying to collect around {$1100.00} dollars from me, when the original fine from the Idaho state of occupational licenses was {$850.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Constar Financial Services, LLC
State: KS

Complaint narrative:
Due to Covid19 and loss of business income, I had a vehicle I voluntarily surrendered to XXXX XXXX, that vehicle was sold on XX/XX/XXXX, I received a letter from XXXX XXXX on XX/XX/XXXX stating what my deficiency balance was. On XX/XX/XXXX, I tried to call XXXX XXXX and was routed through their automated system to Constar Financial as it indicated my account had been turned over to them for collection. I tried for several days to reach Constar and  finally on XX/XX/XXXX, was able to reach Mr. XXXX XXXX with Constar.  Upon my conversation with him, a settlement agreement was made in the amount of {$4200.00}. I gave him account information for which to take that payment out of. I was told that once that cleared my bank account, I should call back in and they could then issue me a receipt and also would notify XXXX XXXX At that time that my payment was made in full and had cleared. Since XX/XX/XXXX, when I was notified by my bank that the payment to Constar Financial had processed and cleared, I can't get anyone to answer the phone. I have called daily if not multiple times a day since XX/XX/XXXX and left at least one if not more messages a day requesting a receipt for this payment beyond what my bank statement has already showed. There has been no answer on their end nor any attempt to call me back. I would like to get this settled and have formal receipts from Constar so that I can show this paid and also so that XXXX XXXX   will show this has been paid.

You'd think after handing this company over {$4200.00}, they could do a much better job in customer service. 

XXXX XXXX XXXX XXXX XXXX, KS

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

Complaint narrative:
I pulled my credit report and found inaccurate, erroneous, unverified, negative INQUIRIES on my credit report. I have no recollection of these inquires.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!!

I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX   respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 non-monetary relief
Consumer complaint received 2020-08-08 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!!

I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XXXX I opened a new business account with Chase Bank. They were supposed to mail me a debit card and a PIN, but I never received it. I deposited 3 checks for {$7100.00} each. The first one on XX/XX/XXXX, the second one on XX/XX/XXXX, and the third on XX/XX/XXXX. On XX/XX/XXXX, while depositing the 4th check, I checked my balance and realized that something was wrong, because there was only around {$20.00} left in my account. I immediately reported it to the bank and they froze the account. All in all the thief spent over $ XXXX over 6 days. I never received any suspicious activity alerts and the bank did nothing to stop the rapid fraudulent spending. There were many consecutive charges for very large amounts at unusual places ( such as charges for {$500.00}, {$600.00}, {$800.00} at the same quick trip on the same day. After a few days of " investigation '' the Bank sent a letter to me stating that they believed the charges were authorized and the money would not be refunded.The only explanation they gave me was that I never filed a police report and that my mail-box was locked so no one could have had access to it other than me. I called them and faxed them letters and documents ( including a photograph showing that my apartment mail room had many mailboxes that were unlocked and left open ), and I also pointed out to them that there were XXXX deposits made to my account on XX/XX/XXXX. They immediately reversed the deposits that I informed them were not mine, and they reinstated the investigation. They returned around {$6000.00} to my account on a temporary basis while they continue to investigate. Yesterday they again denied a small portion of my claim, while they continue to delay a final decision. I told them that I never received the debit card or PIN so none of the charges could have been me. In other words, the claim must be entirely fraudulent or entirely not fraudulent. This is a business account and XXXX has caused significant economic hardship for me and the employees in my company, so I can not afford their delay tactics. Because they have broken my claim into multiple smaller claims they are preventing me from the clear decision I would need to take legal action if necessary.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-08 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: BSI Financial Holdings, Inc.
State: PA

Complaint narrative:
While in bankruptcy protection ( XX/XX/XXXX-XX/XX/XXXX ) my mortgage was sold to BSI. Even though monthly mortgage payments as well as monthly bankruptcy payments were made in full and on time, BSI continued to assess  unsubstantiated and unwarranted fees. Three separate complaints were filed with CFPB in XX/XX/XXXX regarding these unlawful charges ( XXXX on XX/XX/XXXX ; XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX ). On XX/XX/XXXX BSI representative XXXX XXXX sent a letter that stated " BSI has determined that there are inaccuracies on your loan and have made corrections. Pursuant to the payment history the BSI account was indeed current ''. since that time we have been trying to get BSI to correct late payment notices they posted earlier in XXXX prior to that note. We have sent copies of the checks, as well as the day each individual month they were received and cleared our bank. BSI sent reports to the credit reporting agencies that each of our first 6 payments to BSI were 60 days late or more, and has been unwilling to correct this misinformation. Since we did not pay BSI anything additional other than mortgage each and every month, and they themselves determined us " current '' as on XX/XX/XXXX, ( and admitted mistakes ), something doesn't line up correctly. On XX/XX/XXXX we attempted to get this information corrected with no success. We filed a new complaint with CFPB ( XXXX ) trying to get the same, again with no success. Again, since the entirety of what we made were scheduled monthly payments every month, in full each and every month in XX/XX/XXXX... and we have the actual checks with the dates each month when they were received and the date they cleared BSI 's bank that very same month, with no additional monies were sent to BSI ... they admitted in XX/XX/XXXX they indeed had made inaccuracies with this account and corrected their account records ( and indeed the account was current ), how can there be 6 consecutive months of 60 days or more late from XX/XX/XXXX to XX/XX/XXXX? We even wrote on the front of each check " for use toward XX/XX/XXXX mortgage payment in full '' on XXXX 's check ( received in XX/XX/XXXX, cleared by BSI XX/XX/XXXX ). This process was repeated each and documented each and every month, for the exact month the payment was due.

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

Complaint narrative:
I am trying to purchase a house and went shopping for the lowest mortgage rates. I thought I was supposed to have 45 days to shop or at the very least 14 days without adding a bunch of hard inquiries onto my report. Every single inquiry is counting as a hard inquiry even though I did them in the allotted time and now my credit score is taking a nose dive. How are people supposed to be able to shop for the best rate if it blows up your credit in the process? Even on the CFPB website it says I should have 45 days. This is just another example of why there needs to be proper regulation over the credit boroughs. There isn't even a way to dispute the hard inquiries with the credit boroughs and ask why they weren't treated as one. I tried opening a dispute but there isn't any way to dispute hard inquiries nor is there anyone to speak to about it.

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

Complaint narrative:
I am trying to purchase a house and went shopping for the lowest mortgage rates. I thought I was supposed to have 45 days to shop or at the very least 14 days without adding a bunch of hard inquiries onto my report. Every single inquiry is counting as a hard inquiry even though I did them in the allotted time and now my credit score is taking a nose dive. How are people supposed to be able to shop for the best rate if it blows up your credit in the process? Even on the CFPB website it says I should have 45 days. This is just another example of why there needs to be proper regulation over the credit boroughs. There isn't even a way to dispute the hard inquiries with the credit boroughs and ask why they weren't treated as one. I tried opening a dispute but there isn't any way to dispute hard inquiries nor is there anyone to speak to about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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: NY

Complaint narrative:
I've been with XXXX XXXX XXXX for approximately three years, having paid roughly {$2600.00} throughout that period with, only 45 % of my negative information removed in a timely fashion. Presently, I am investigating the depth and nature of the work completed on my case. From XX/XX/XXXX, XXXX XXXX XXXX paralegals informed me that TransUnion, XXXX, and XXXX  ( the entities that are the subjects of contention in this complaint ) provided responses that consisted of the descriptions " verified '' or " is verifiable. '' These terms merely constitute as semantics and do not provide substantive evidence to me, as the consumer, that the reporting of these items are accurate and valid. The credit bureaus, TransUnion, XXXX, and XXXX, have repetitively refused to identify the parties that verified the negative listings, nor have they produced to me in writing, the name and contact information of the creditors or courts reporting the listings. This negligence has led to considerable damage and challenges in securing lines of credit from creditors, qualifying for apartments, and other necessities. On XX/XX/XXXX, I sent to each one of the credit bureaus a formal request in writing and, with my signature, a request to be provided with specific information concerning the creditors or courts they claim to have substantiated the listings. XXXX  refuses to dispute the items in question again, despite the insufficient information they've disclosed on my credit reports and no formal letter received outlining the findings of their investigation. I am requesting that all three credit bureaus comply with providing the information I am requesting per the Fair Credit Reporting Act, 15 U.S.C. 1681. By this law, if the credit bureaus can not produce the names of the entities and contact  information to the affected consumer, then the credit bureaus are responsible for removing the disputed listings. In addition, I have a right to sue and seek damages if ( 1 ) details pertaining to the validity of the listings can not either be disclosed in writing to the affected consumer ( me ) or ( 2 ) the bureaus insist on using semantics as a disparaging way of discouraging the responsibility of the consumer ( me ) to exercise ( his ) right to ensure that all reporting is in compliance with Federal laws and regulations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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: NY

Complaint narrative:
I've been with XXXX XXXX XXXX for approximately three years, having paid roughly {$2600.00} throughout that period with, only XXXX % of my negative information removed in a timely fashion. Presently, I am investigating the depth and nature of the work completed on my case. From XXXX XXXX, XXXX XXXX firms paralegals informed me that XXXX, XXXX, and Experian ( the entities that are the subjects of contention in this complaint ) provided responses that consisted of the descriptions " verified '' or " is verifiable. '' These terms merely constitute as semantics and do not provide substantive evidence to me, as the consumer, that the reporting of these items are accurate and valid. The credit bureaus, XXXX XXXX, and Experian, have repetitively refused to identify the parties that verified the negative listings, nor have they produced to me in writing, the name and contact information of the creditors or courts reporting the listings. This negligence has led to considerable damage and challenges in securing lines of credit from creditors, qualifying for apartments, and other necessities. On XX/XX/2020, I sent to each one of the credit bureaus a formal request in writing and, with my signature, a request to be provided with specific information concerning the creditors or courts they claim to have substantiated the listings. Experian refuses to dispute the items in question again, despite the insufficient information they've disclosed on my credit reports and no formal letter received outlining the findings of their investigation. I am requesting that all three credit bureaus comply with providing the information I am requesting per the Fair Credit Reporting Act, 15 U.S.C. 1681. By this law, if the credit bureaus can not produce the names of the entities and contact information to the affected consumer, then the credit bureaus are responsible for removing the disputed listings. In addition, I have a right to sue and seek damages if ( 1 ) details pertaining to the validity of the listings can not either be disclosed in writing to the affected consumer ( me ) or ( 2 ) the bureaus insist on using semantics as a disparaging way of discouraging the responsibility of the consumer ( me ) to exercise ( his ) right to ensure that all reporting is in compliance with Federal laws and regulations.

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