vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-03 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: MI

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX of 2021, I mailed a dispute letter to XXXX  and Transunion about a collection with XXXX XXXX XXXX XXXX XXXX that was on my report that appear inaccurate. I never received a response from either of the credit bureaus, however after viewing my report online I noticed that they allowed another collection agency XXXX XXXX XXXX XXXX XXXX to add the same debt to my report on top of it already being reported by another collector XXXX XXXX XXXX XXXX XXXX I contacted XXXX  and Transunion in regards to this matter and they have yet to correct it. This is a direct violation of the fair credit reporting act. I sent them another dispute questioning this and still no response. It will soon be 30 days with no response from either of them which would mean they would have to remove said collections from my report. However, I wanted to make you aware of this due to the violation of the laws set in place. Please help as this is causing a great deal of stress. 

Note : XXXX XXXX XXXX, Is reporting I owe {$770.00} Note : XXXX XXXX XXXX, Is reporting I owe {$770.00} Both collectors are trying to collect on the same inaccurate debt with XXXX XXXX for to different amounts,. This is a violation of my rights under the FCRA. 

Ive attached certified mail receipts stamped by the usps and dated from both occasions were I contacted them.

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 2021-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express notified me on XX/XX/2021, that it had assigned my account to law firm XXXX XXXX XXXX for collection. I sent a letter to that law firm disputing the debt on or about XX/XX/2021, and demanded validation. I did not receive a response within five days as required by FDCPA ( but was not aware of that five-day time period until I started researching to file this complaint ). On XX/XX/2021, having not yet responded to my validation demand, the law firm filed a lawsuit against me ( electronically ) in my county of residence. On XX/XX/2021, the law firm penned a letter " in response to a debt validation request '' I had made 60 days earlier ; the postmark on the envelope is dated XX/XX/2021 -- nearly four weeks after it filed the lawsuit. I was not served with the lawsuit until XX/XX/2021. However, the mere filing of that lawsuit during a period in which I had requested validation and it failed to provide such, is improper and in violation of FDCPA. Withholding service of the lawsuit until after I had received the validation response does not cure the fact that it filed such litigation BEFORE providing validation. Filing litigation most certainly constitutes taking action to collect the debt during a forbidden period. That lawsuit should be dismissed! 

In addition, the validation did not include a copy of any contract. As such, the account has not been sufficiently validated and should be removed from my credit report immediately, including all past negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
On XX/XX/21, I received a the attached letter titled " AmexltrXX/XX/21 '' from American Express, which seems to be in regard to settlement. ( Although this letter seems to elude to the alleged account being closed, due to settlement at a previous time, I have never stated that this alleged account has been previously settled at any time. ) I responded on XX/XX/21, with my settlement offer, in the attached letter titled " AmexltrXXXX ''. In my correspondence I specifically stated that my offer was not a validation request in bold letters at the bottom. But then, I received the attached letter titled " amexfalsecreditreportingXXXX '', stating that American Express reports their alleged account as '' in dispute '' with XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX, credit reporting agencies. There is no dispute. This information is false. American Expresses behavior is harassment which defames my character and causes XX/XX/XXXX. There should be no doubt whatsoever that reporting this information is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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 — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I have filed a dispute in regards to the items on my credit report, it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: GA

Complaint narrative:
I received a credit alert from the credit bureaus that I have 5 different loans in collections. I contacted the number listed in the info and it was a collection agency stating I took out 5 different loans in XX/XX/2019. I dont understand how someone could get approved for 5 loans, 5 days in a row. I asked if they could verify the account information the money was deposited to and they couldnt. I informed them I live in Georgia and this loan company doesnt offer loans in my state. I have no information regarding these loans. Ive never received any documentation or phone calls from the loan company nor collection agency. They told me to file a police report to dispute the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent a letter of verification to TransUnion asking how did they verify my bankruptcy, they stated through the court I contacted the court at the address that was provided to me by TransUnion. The court sent me back a letter stating that they do not provide information to credit reporting agencies. I in return sent a copy of the court letter back to TransUnion, letting them know that their original response with verifying the item with the court was either an error or a lie and requested that the item be deleted according to FCRA s611 ( 15.U.S.C S 1681l ) TransUnion sent me back a letter stating the item was already disputed and verified again through the court. They completely disregarded the my letter and the letter from the court. The item was not deleted.

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 2021-06-03 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: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
XXXX, Acct # XXXX, SSN XXXX discrepancies in the High Credit amount, showing XXXX for XXXX  Student Loans showing late payments during Month of Pandemic when it was decided by the FCRA that XXXX student loans payments would be suspended during those months. Acct # XXXX XXXX Acct # XXXX, showing derogatory when there is a XXXX balance Credit Acceptance Acct # XXXX, Auto Loan, showing collections with XXXX, balances are inaccurate. I was affected by the pandemic and did not have the means of making the payments. Natural disaster beyond my control XXXX XXXX XXXX XXXX, Acct # XXXX, inaccurate reporting on my report XXXX XXXX XXXX XXXX XXXX Acct # XXXX, inaccurately reported Inquiries that are bad and not authorized by 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 2021-06-03 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: Professional Recovery Management
State: TN

Complaint narrative:
XXXX, Acct # XXXX, SSN XXXX discrepancies in the High Credit amount, showing XXXX for XXXX  Student Loans showing late payments during Month of Pandemic when it was decided by the FCRA that all student loans payments would be suspended during those months. Acct # XXXX XXXX  Acct # XXXX, showing derogatory when there is a XXXX balance XXXX XXXX  Acct # XXXX, Auto Loan, showing collections with XXXX, balances are inaccurate. I was affected by the pandemic and did not have the means of making the payments. Natural disaster beyond my control XXXX XXXX XXXX XXXX, Acct # XXXX, inaccurate reporting on my report XXXX XXXX XXXX XXXX XXXX Acct # XXXX, inaccurately reported Inquiries that are bad and not authorized by me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: OH

Complaint narrative:
I sent a letter to both XXXX  and Experian requesting that they remove the inaccuracies from my report. I also provided a copy of my report from XXXX XXXX  showing that inaccurate items that were deleted, and they have yet to correct my report on their end.

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 2021-06-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: KY

Complaint narrative:
Had been with XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX ) for more than five years, contact them true agent at XXXX XXXX. 
When I retired in XX/XX/2020 from XXXX XXXX XXXX XXXX pay {$480.00} liability for six months got to expensive, call agent two months before to let insurance know, and start looking for cheaper, found it - {$220.00} for six months. XXXX decide I own {$79.00} for one more month, I pay always six months in full. 
Contact Insurance ( agent ) several times, no result. 
XXXX send to collection agency - Transworld Systems Ins. ( XXXX XXXX  Address:XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX PA XXXX ) ( Return Mail : XXXX XXXX XXXX XXXX. XXXX XXXX, DE XXXX, contact agency, ask questions - no answers. 
Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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 XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. I have waited over 45 days and still have not received a response yet, I feel like I am being taken advantage of and being ignored of the disputes I sent in. According to section 611 ( a ) FAILURE TO INVESTIGATE THESE ITEMS WITHIN 30 DAYS GIVES A REASON TO IMMEDIATELY REMOVE THESE ITEMS FROM MY CREDIT REPORT. It has been over 45 days so they should be removed promptly. I demand these accounts be deleted from immediately or I will file litigation due to the stress of my livelihood you have all caused me. My information was also impacted by the Equifax Data Breach and may have got into the wrongs hands. Thank you for your support.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have filed a dispute in regards to the items on my credit report, it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have filed a dispute in regards to the items on my credit report, it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX, I logged onto my Citibank account and sent a secure email message to their live chat representative asking for a payoff on my closed card. I had no response so I called Citibank customer service XXXX requesting a payoff on my closed credit card ending in XXXX. 

The woman I spoke with laughed and said she can tell me only what she sees but can not make those authorizations. I asked for a manager or supervisor and she responded " They'll say the same thing I did ''. I asked her what happens when I pay off the account and if it will be closed permanently. She said " well its already closed so I don't know what you're talking about. '' She was pretty condescending. She ended with saying that she can not promise a payoff and still did not want to transfer me to a supervisor or manager. I have decided to reach out to your corporate office to assist. 

I sent an email to the Citibank Corporate office to : XXXX XXXX, XXXX. I then received a call from XXXX at the Citi Executive offices on XX/XX/XXXX from XXXX XXXX XXXX XXXX to discuss this. I asked for a payoff several times. I was never given an actual payoff and he only read what was the full balance on line which was {$3500.00}. He explained that it should be fine but he can not tell. I asked why I cant get a formal payoff after I requested it. I explained that I asked several time to the customer service rep and she basically denied my payoff request by not giving me a dollar amount. XXXX could not locate this conversation. I asked if this would be paid in full and he said yes but if it shows a few dollars of fees on the next statement he would write it off. 

On XX/XX/XXXX I paid the balance in full and was displayed a XXXX  balance. From that point I did not hear from Citi. My due date was showing XX/XX/XXXX so this was considerably before that due date. 

Today, XX/XX/XXXX I received a statement from Citibank for {$2.00}. This is ridiculous because I paid the balance in full, Citi denied me a payoff quote after several verbal requests and one written request on line. At this point this should be a XXXX  balance.

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 monetary relief
Consumer complaint received 2021-06-03 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: TX

Complaint narrative:
On XX/XX/2021, I sent a letter to formally make a complaint about my incomplete and inaccurate credit information. As I know, It violates the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), and thus I wanted to have it investigated. I also demanded that they provide verifiable proof that has my actual signature in it. Additional information regarding this will be uploaded and I hope that this issue will be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: FL

Complaint narrative:
I have been dealing with ID theft for over 5 years with your company I am constantly receiving letters back for disputes stating that, I need to contact the creditor to have this information disputed or the creditor may not know how to contact me for the ID theft, I have contacted each company and they advise to contact me to contact the credit reporting agency to file a dispute. I have field complaint earlier and response was for me to submit a dispute and yet again I did that and received the same exact information I have got for the last year, this is at a point where I am going to file a civil lawsuit against your company, if I can not have corrected. I have provided police reports number or times ID theft information number of time and will provide again today. 

If this can not be corrected I will file suit. this is countless hours or working with your company and getting no where. I have worked with XXXX  and XXXX  and it took me less than 120 to get everything fixed and correct. I call your company and can not reach a live agent to help 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 2021-06-03 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: NY

Complaint narrative:
I am writing because I been having the same problem with these 3 collection companies and I been telling Equifax and XXXX  that those were fradulant accounts not opened up by me and for those companies to produce documents with my signature on it or who did they speak to, to verify these claims and till this date I have not received anything from them. This is harming my credit and needs to be deleted and updated. I never got into a contract with those companies bullying me for money, I never signed any paperwork with them and they need to remove those fraudulent reports off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: PA

Complaint narrative:
On XX/XX/XXXX I sent a letter to Hunter Warfield because they appeared on my credit. They did not respond to that letter with validation of the debt until XX/XX/XXXX. They are not the credit bureaus, they do not have 35 days to respond to a dispute like the credit bureaus do. They have 30 days from the date of the request for validation as per the FDCPA. They have different reporting guidelines because they are the account reporter. IF they could not provide validation to me within 30 days of the request, as the laws states. They must both remove the account and cease and desist all collection activity. They have violated the FCRA and FDCPA and I want Justice

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