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

Complaint narrative:
On or around XX/XX/XXXX I sent a dispute letter notifying Experian of inaccuracies and violations in their reporting of an account on my credit report. I requested deletion due to grossly inaccurate reporting of the Date Of Last Activity, spanning across 4 years from XXXX to XXXX. Experian was notified that re-aging an account is a violation in regards to my request for deletion of the disputed account. Experian responded that the account has been Updated and Verified without deletion or correction of violation. 

On or around XX/XX/XXXX I sent a 2nd dispute letter to Experian questioning the result of the 1st dispute returning as accurate and updated. I disputed continued inaccurate reporting of the Date Of Last Activity, re-aging of an account, and again informed Experian to delete for continued reporting violations 6 weeks after the first dispute. Experian responded that the account has been Updated and Verified without deletion or correction of violation. 

On or around XX/XX/XXXX I sent a 3rd dispute letter to Experian requesting deletion of the same account to Experian, informing them of multiple FCRA violations that they were blatantly committing by reporting Past Due amounts on a collection account. Experian continues to report Past Due amounts 3 years after closure of the account and responds to dispute stating that the account has been Updated and Verified. 

On or around XX/XX/XXXX I sent a 4th dispute letter to Experian requesting deletion of the same account for inaccurate reporting between bureaus showing the same account as Charged Off and 120 days Late simultaneously. The inaccurate reporting continues without deletion or response. Despite errors, Experian states that the account again is Updated and Verified. 

On or around XX/XX/XXXX I sent a 5th dispute letter to Experian requesting deletion of the same account for violating the Fair Debt Collection Practices Act by reporting Late Payments after the account has been closed. Reporting of this account continues in XXXX, 3 years past closure of the account. Experian has refused action for violations regarding this account through 5 disputes and 6 months time and responds stating the account is Updated and Verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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 XX/XX/20 I sent out 609 letters to all 3 credit bureaus XXXX, XXXX, and Equifax. The letters detailed my disputes of the accounts that the bureaus are reporting inaccurate information on my credit profile. Its been over 60 days and I have not received any information on the results of the investigation from the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: GA

Complaint narrative:
On XX/XX/20 I sent out 609 letters to all 3 credit bureaus XXXX, Experian, and XXXX. The letters detailed my disputes of the accounts that the bureaus are reporting inaccurate information on my credit profile. Its been over 60 days and I have not received any information on the results of the investigation from the bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I received a credit monitor alert for things I have no knowledge or applied for. I do not recognize the collections from XXXX XXXX XXXX that are reporting to Experian. I contacted Experian as well as XXXX XXXX XXXX XXXX about the five fraudulent accounts being reported to my credit report numerous of times since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I reported this to Experian it but it was never removed after three written complaints. I added the fraud alert again for these accounts in XXXX of XXXX with FTC and again today. I added a security freeze on XX/XX/XXXX with Experian. Experian is still continuing to report this collection company on my credit report. The accounts are incorrect and are not mine. Please remove all five of the fraudulent collections of XXXX XXXX XXXX XXXX XXXX from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: PENTAGON FEDERAL CREDIT UNION
State: CO

Complaint narrative:
I HAVE BEEN A MEMBER OF PENFED CREDIT UNION FOR SEVERAL YEARS NOW AND I CANT QUALIFY FOR NONE OF THEIR PRODUCTS. NO CREDIT CARDS OR LOANS OF ANY SORT. I EXPLANINED SEVERAL TIMES THAT SOMETHING IS WRONG WITH THE APPLICATION PROCESS WHEN I FILL OUT FOR A CREDIT CARD. FOR EXAMPLE IT WAS STATED THAT I HAD NEGATIVE ACCOUNTS ON MY CREDIT REPORT AND ALSO COLLECTIONS. BUT WHEN I LOOK AT MY CREDIT REPORT ON XXXX THERE ARE NO NEGATIVE ACCOUNTS ON MY CREDIT REPORT. PLEASE SEE ATTACHMENT. THE DAY I WAS DENIED ON XXXX THE XXXX MY CREDIT SCORE WAS XXXX. SOMETHING IS TERRIBLE WRONG HERE. I'VE BEEN MENTIONING THIS FOR YEARS TO THEM AND TO EQUIFAX. ON PENFED FICO PAGE IT STATES MY FICO 9 SCORE IS XXXX WHICH I CANT SEE HOW POSSIBLE WHENS THERES NO NEGATIVE ITEMS IN MY XXXX CREDIT REPORT. PLEASE EXPLAIN THIS 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 2020-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation
State: MO

Complaint narrative:
Hello my name is Mr. XXXX XXXX and I have a complaint with the financial company Bridgecrest Acceptance Corporation account noXXXX, this is my auto finance company. The problem I'm experiencing with this company is their relentless tactics on refusing to comply with an attempt to negotiate a fair goodwill attempt to have them remove late payments on my account with them from a prior year, 2018 to be exact. I was an excellent paying consumer for about a year or so until an unfortunate circumstance where I had been scammed and filed police reposts, but going through this period caused several unfortunate late payments and they were made aware of this and even spoke highly of my prior payment history before and after this time period. To this day I am still making great payments to them however their reluctance to help me is causing harm to my credit bureau reports and scores. 

I may be contacted if needed at XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Here 's the body of the email received from Speedy Cash where you'll notice what I believe are numerous violations of the Fair Debt Collections Act and also what I believe are several violations of criminal law by holding himself/herself out to be a law enforcement official and an attorney at law. Everything in this email is my complaint in a nutshell : Attention, Debtor CREDITOR : Speedy Cash Group CASE NO : XXXX OUTSTANDING BALANCE {$1100.00}. 

After numerous attempts to reach you, we haven't received any payment or any positive feedback from your side, as you are not paying your seriousness on this account which means that you are trying to run away from the situation and repeating the same activity which you did before with the loan company. We tried our best to help you on this matter but you are taking this matter lightly. 

Account Status : WARRANT IS ACTIVE FOR SEARCH AND SEIZE ( Violation of the Fair Debt Collection Practices Act and Defamation of Character. ) " Debtor ( You ) has been declared as a guilty by Authorized Law Enforcement Department, Seizure Warrant has been activated under 15 USC 1692g Sec. 809 ( b ) of the FDCPA " Unless delayed notice is authorized below, you must give a copy of the warrant and a receipt for the property taken to the person from whom, or from whose premises, the property was taken, or leave the copy and receipt at the place where the property was taken. 
The officer executing this warrant, or an officer present during the execution of the warrant, must prepare as required by law and promptly return this warrant. Pursuant to 18 U.S.C. 3103a ( b ), I find that immediate notification may have an adverse result listed in 18 U.S.C. 2705 ( except for the delay of trial ), and authorize the officer executing this warrant to delay notice to the person who, or whose property, will be searched or seized.

Note : You will be contacted by your local county authorities. 
XXXX XXXX XXXX Department is closing this account and declaring as a GUILTY. 
If we will not receive any feedback from your side, then you will be the only person who will be responsible for any consequences. 
IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT, CONTACT TO RESTITUTION DEPARTMENT : - mailto : XXXX Regards, Restitution Head Department Of l Debt Settlement Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, retransmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your co-operation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: AZ

Complaint narrative:
XXXX XXXX Is reporting that I owe {$280.00} acc # XXXX and {$490.00} acc # XXXX The accounts show that the account was opened XX/XX/XXXX, and the other XX/XX/XXXX which is incorrect, It was requested that proof and validity of debt was provided, and sufficient evidence was not provided

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: AZ

Complaint narrative:
XXXX XXXX Is reporting that I owe {$280.00} acc # XXXX and {$490.00} acc # XXXX The accounts show that the account was opened XX/XX/XXXX, and the other XX/XX/XXXX which is incorrect, It was requested that proof and validity of debt was provided, and sufficient evidence was not provided

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I pursued getting product, XXXX mislabeled product poorly packaged without a portion of order. It was labeled as a skin XXXX  XXXX which I had not attempted to purchase from this person whom I did not initially require or query that was legal in their country. It made me hAvd XXXX and XXXX  for weeks, as I go not know what substance was, I refused to send back to XXXX. I showed pictures of pills, XXXX in toilet and told them how deceptive and wrong thst was- asked my enraged messages bd copied to ceo as well as mislabeled product, never promising product and never producing product - which made me so very ill I will be sick  for weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I HAVE BEEN A MEMBER OF XXXX XXXX XXXX FOR SEVERAL YEARS NOW AND I CANT QUALIFY FOR NONE OF THEIR PRODUCTS. NO CREDIT CARDS OR LOANS OF ANY SORT. I EXPLANINED SEVERAL TIMES THAT SOMETHING IS WRONG WITH THE APPLICATION PROCESS WHEN I FILL OUT FOR A CREDIT CARD. FOR EXAMPLE IT WAS STATED THAT I HAD NEGATIVE ACCOUNTS ON MY CREDIT REPORT AND ALSO COLLECTIONS. BUT WHEN I LOOK AT MY CREDIT REPORT ON EQUIFAX.COM THERE ARE NO NEGATIVE ACCOUNTS ON MY CREDIT REPORT. PLEASE SEE ATTACHMENT. THE DAY I WAS DENIED ON XXXX THE XXXX MY CREDIT SCORE WAS XXXX. SOMETHING IS TERRIBLE WRONG HERE. I'VE BEEN MENTIONING THIS FOR YEARS TO THEM AND TO EQUIFAX. ON XXXX  FICO PAGE IT STATES MY FICO 9 SCORE IS XXXX WHICH I CANT SEE HOW POSSIBLE WHENS THERES NO NEGATIVE ITEMS IN MY EQUIFAX CREDIT REPORT. PLEASE EXPLAIN THIS TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I enter into a payment arrangement with representative XXXX XXXX of XXXX XXXX XXXX. According to MrXXXX XXXX, I had an outstanding balance of {$1500.00} from The XXXX XXXX  XXXX. I was surprised because I was currently in the process with XXXX XXXX from XXXX XXXX of getting a balance adjustment. According to Mr. XXXX, although I was working things out, that I needed to take care of the bill before he sends it to the 3 credit bureaus. I asked him what can I do to prevent from hurting my credit. MrXXXX XXXX ensured me that if I make a payment and continue to be current with the payment arrangements that they would prevent any derogatory reporting to any credit bureaus, PLEASE ASK TO LISTEN TO THE CALL RECORDINGS. ( It should be noted they record every call ) Even though I have NEVER missed a payment and/or never later ( they drafts my account ever 2nd of the month ) XXXX XXXX XXXX blatantly violated the agreement by reporting as a late payment, the wrong amount, and being sent to an attorney ( WHICH ARE ALL FALSE ). Please note that following the XX/XX/2020, payment on XX/XX/2020, they reported me late before XX/XX/2020 payment was due. I inquired with Mr. XXXX and he acknowledged that I was not in violation but he continued to try to collect {$470.00} and would remove the account from my credit report. I contacted Mr. XXXX 's manager, XXXX XXXX. According to Mr. XXXX, the verified that my account was NEVER late and missed any payments and there was a computer malfunction and that he would immediately DELETE the collections for All credit bureaus. According to Mr. XXXX, he submitted the initial deletion letter on XX/XX/2020. It now XXXX and this company continue to update this account with inaccurate and completely false information. After several attempts to have my account corrected, they continue to lie and refuses to provide me with a copy of the deletion letter and the printed payment history. I have left several messages and now Mr. XXXX no longer 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 2020-11-11 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: IL

Complaint narrative:
On XXXX/XXXX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 70 days later, I have not received a response yet. I feel like my disputes are being ignored. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. It has been over 70 days, therefore these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused. My information was also impacted by the XXXX  data breach and may have ended up in the hands of the wrong people.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: MI

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: First National Collection Bureau, Inc.
State: TX

Complaint narrative:
on XX/XX/2020 I received a JUDGEMENT COLLECTION LETTER that states I have a judgement and I was never served any papers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have filed for them to remove this bankruptcy too many times. I have wasted money and sent letters certified and still no resolution. This is damaging my personal and business life. They stated that the information was verified in the enclosed document XX/XX/2020 but the bankruptcy was removed from XXXX but is still currently reporting on TransUnion and XXXX. They are reporting inaccurate and unverifiable information and I would like for it to be removed and an updated copy of my credit report sent 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