vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-15 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: MI

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

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 2021-12-15 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: EQUIFAX, INC.
State: NC

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 2021-12-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 2021-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Oliver Adjustment Co.
State: MD

Complaint narrative:
I have attached the collection notice that Oliver Adjustments Co , Inc. sent to me yesterday. It is apparent by the address on the collection notice that all original bills were sent to the incorrect address as XXXX XXXX XXXX is not my address and there is no XXXX XXXX  in our entire county. 

I tried to discuss this issue with the original doctor 's office, but they refused to speak with me and Oliver Adjustment Co , Inc. has threatened to ruin my credit if this incorrect notice is not paid immediately even though all correspondence was sent to an incorrect address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation 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 2021-12-15 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: MI

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

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 2021-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
I have sent multiple letters asking for an explanation on this debt and why I am being charged. I want to see the proof of this debt and I have not been given any information to understand what this debt is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I attempted to purchase a XXXX XXXX through XXXX. The knife in question was a XXXX XXXX XXXX and was being sold for {$200.00}. I sought to purchase it and sent the funds via XXXX as requested by the seller. The seller then blocked me. I contacted my financial institution about the fraud and they told me that I would have to go through XXXX. I contacted XXXX and they told me that I would have to go through my financial institution. For a timeline : Initially contacted the seller on XX/XX/2021. Sent funds XX/XX/2021. Showed accepted XX/XX/2021. Blocked by seller XX/XX/2021. Contacted financial institution for fraud on XX/XX/2021. Contacted XXXX on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: LA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX  Balance {$1900.00} XXXX XXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I called all 3 credit bureaus and was told that I had negative information on my credit report from old bills that were still reporting as delinquent even though it clearly shows the bills were paid in full. This is having a detrimental affect on my ability to buy a home due to an artificially low credit score

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Jet Blue Business card through Barclays Problem # 1 : Barclays introduced a new platform in XXXX 2021. Since that time I have not been able to set up on-line access to manage the business credit card. I have spoken to at least 50 representatives including the domestic security department, with no resolution. They are now asking me fax my driver 's license, social security card, and another form of identification. The last fax they provided went to an XXXX office. I have had the business card for over 5 years, they have all of my information from the original application process and I do not feel it is a secure way to conduct business. Each call to a representative occupies +/- 2 hrs., the entire situation has to be re-hashed with each rep. I have case # s and technical INC # 's and still no resolution. 

Problem # 2 : A XXXX refund was returned to the business account on XX/XX/2021. It has never been credited to the card. I was told I needed to file a claim with the dispute department. I submitted all of the requested information onXX/XX/XXXX. I am now being that since the original charge was XXXX XXXX the claim is too old and there is nothing they can do. I have called multiple times with the claim # and still no resolution.

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 2021-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: MO

Complaint narrative:
I have been working with XXXX XXXX - XXXX XXXX- and he has stopped returning my calls and emails. So I decided to pursue financing with another mortgage company and we have all been trying to get XXXX to release my case number so the new mortgage company can move my file along and he will not comply. He said he released it weeks ago and it's up to FHA to complete. I have contacted FHA and they said it is still in XXXX 's name ( Loan Depot ) and when I told him that he said I don't care, there is nothing more I can do. He is preventing me from bettering myself financially and holding my Case number XXXX and not complying with anyone 's request. He's been very XXXX and XXXX and has XXXX disregard to help me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX  Inquiry Date XX/XX/2020 XXXXXXXX XXXX  Inquiry Date XX/XX/202XXXX XXXX  Inquiry Date XX/XX/2020 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 non-monetary relief
Consumer complaint received 2021-12-15 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: Capital Alliance Financial, LLC
State: MI

Complaint narrative:
I called these companies to complain about them they said it was in error that they will contact the company but they havent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: FL

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

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 2021-12-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Associated Credit Services, Inc.
State: OH

Complaint narrative:
On XX/XX/2021 I received a letter from ASSOCIATED CREDIT SERVICES , INC sent me a letter via mail stating I owed a debt and that legal action can be taken and any information will be used against me to collect such debt. The letter has my personal information all over it. After I received the letter I started receiving calls from the company mentioned above stating I owed a debt and any information would be used against me to collect the debt. When I answered the phone the lady did not follow the Fair Debt Collection Practices Act and Congress has declared abusive practices are abundant and that is why they enacted the FDCPA due to inadequate existing laws.By definition under the FDCPA the above mentioned company is a Debt collector they said so themselves on the phone and in their letter. They violated 1692b by asking if I was who I am but did not state it was to correct or confirm location information. They stated I owed such debt. They contacted me without my permission. They used language and symbols that relate to an collection of debt.Under 1692c they violated that section by communicating with me without my permission and an unusual time and place. They communicated with Third parties without my consent given directly to them.They violated 1692d using harassment or abusive words and tactics. They caused my phone to ring repeatedly. They also used obscene and profane language on the phone and in the letter to abuse the hearer or reader. This company mentioned previously above violated 1692e using false or misleading representations. This company violated 1692f with Unfair practices. I stated for them to validate the debt pursuant to title 15 U.S. Code 1692g and they did not send anything. There for this company is liable to me pursuant to Title 15 U.S. Code 1692k in the amount of {$14000.00} and any damages a court may award. I demand this company compensate me for causing such XXXX XXXX XXXX to my XXXX XXXX  and due to the abundance of evidence they violated the Fair Debt Collection Practices Act the supporting documents shall be uploaded. Affidavit will be sent to company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
This company is not only trying to collect on a zombie debt but has been reporting incorrect information to the credit bureaus. This is a severe issue as it is causing me XXXX XXXX XXXX There are many errors being reported on my credit report by this account such as date of last activity, date opened, account status is reporting as open, payment status showing incorrect information.,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC
State: OH

Complaint narrative:
We have two leasing contracts with XXXX leasing company. We have been trying to payoff this loan for two months now. Without any luck. They are rejecting our payment method. They only use automated or online ways to add a payment method and the system is rejecting our submission. There is not an option to payoff on our online account it only gives the payoff amount but it does not allow us to select to payoff the high interest loan. The customer service was of no help and when I asked to speak with a second supervisor he said he was the top supervisor and there was no one else that could help me. I feel like they are trapping me in this high interest lease to continue to extort payments at a high rate instead of allowing me to payoff the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: BTH Management
State: NC

Complaint narrative:
this message is for plaza servies llc about the account they have on file. i cant submit feedback to the closed complaint but i read your cfpb response. yes i noted the date the fraud occurredon XXXX of this year, but the reason is because i cantremember so i put something down and i also reported it to the police that it occurredin XXXX of this year. i have XXXX XXXX XXXX XXXX due to my XXXX. whetheryou want to believe it or not is up to you. i cant get a copy of the police report just yet because they informed me that it will take a few days. i promise you i am not making this stuff up. i have XXXX XXXX and XXXX XXXX  to where i get brain fog so dont start with me on this ok? thanks. i am not making anything up. when i get a copy of the police report ill send you a copy via email. i have severe XXXX and XXXX XXXX XXXX i cant even remember what i did yesterday. so dont start ok? thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I called these companies to complain about them they said it was in error that they will contact the company but they havent

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 2021-12-15 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: Global Lending Services LLC
State: MI

Complaint narrative:
I called these companies to complain about them they said it was in error that they will contact the company but they havent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Carter-Young, Inc.
State: TX

Complaint narrative:
This account was added to my credit report and removed several times without my knowledge.I was not acknowledged this collections account was being put on my report after Ive disputed several times and this should be grounds for permanent removal.

Company response to consumer: Closed with explanation