vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-13 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Been harrasing me for the past years about suing me for a debt collection, I disputed the debt and was erased and they keep harrasing. 
I need proof of the original agreement, including the terms and conditions under which the original lender agreed to extend credit ; copies of statements showing how the borrower incurred the debt, including the dates of transactions ; etc ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-13 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: FL

Complaint narrative:
I've reached out to the three major credit bureaus, XXXX, Equifax and XXXX to dispute a inaccurate information listed on my credit report. 

The first inaccurate information listed was a collection account. The account was posted to my report in XXXX of XXXX. All the bureaus had a different address for this collection company and I sent out three separate letters asking for verification on XX/XX/XXXX after trying to dispute with the credit bureaus. When this account was posted to my report on XXXX of XXXX, it had a balance of {$4900.00}. With no payment from me the amount was then updated to {$4000.00} on XX/XX/XXXX. I disputed this account that they are in violation as the information is inaccurate because the collection company can't seem to provide a one specific balance. Because I wasn't getting a response to my concern, I took screenshots directly from my report so they can address the exact problem and my concerns are not being addressed. The results just keep coming back as verified and updated but the information that is being updated to is still incorrect. One of the collection agency, XXXX  didn't even had a balance for months just a name.

The second item is the payment history on two of my accounts. One for a closed car note and another for student loan account.

The car note is listed as 30-day and 30-day late in XXXX and XX/XX/XXXX on XXXX and XXXX  however on Equifax it them shows 60 and 60 with no prior late payment. How is this possible. It is inaccurate. 

The Student loan shows 60-day late in XX/XX/XXXX with not prior 30 day late notice, again how is this possible? It is inaccurate and needs to be updated. 

I've reached out several times and nothing is being done to address this violation. I will attached the letters sent advising the bureaus of the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a dispute letter XX/XX/2021 and Equifax nor XXXX  has responded within 30 days. I'm asking the accounts listed on the dispute letters be removed asap per the FCRA they are to respond in a timely fashion and if they don't they have to remove all items by law. These companies have failed to uphold the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}, {$150.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- COLLECTION ACCOUNTS 2. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$150.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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:
creditor has terminated the account and agreed to NOT report to the credit bureau. However, Experian has refused to delete the account each time I submit the dispute along with the supporting documentation. I am hereby demanding that they comply with my consumer rights and permanently delete this derogatory account 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 non-monetary relief
Consumer complaint received 2021-04-13 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: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
Chrysler Capital keeps increasing the balance on my credit report and it was charged off with profit and loss in XXXX. I have made payments in XXXX in attempt to settle but was unable to continue after 2 payments. When I call Chrysler Capital they always have a new balance that never decreases.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: KS

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a dispute letter XX/XX/2021 and XXXX  nor Experian has responded within 30 days. I'm asking the accounts listed on the dispute letters be removed asap per the FCRA they are to respond in a timely fashion and if they don't they have to remove all items by law. These companies have failed to uphold the law!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
I pulled up my credit report this afternoon to surprisingly see that NCA a/k/a National Credit Adjusters was reporting a collection on my credit reports since XX/XX/2020. NCA alleges that I owe them {$700.00}. I called them this afternoon to try to find out who they were and what they were trying to collect on. They told me they purchased the alleged debt The XXXX  XXXX XXXX  and that they mailed notice to the address that they received from the original creditor ( XXXX XXXX XXXX XXXX XXXX XXXX ). I have never lived at that address and I do not know where the original creditor would have even got that address either. I asked how I could get this off of my credit report and the lady told me that they do not delete. This is unfair and I do plan to take this matter up in court as they have never contacted me and have been reporting inaccurate/unvalidated information on all three of my credit reports to the detriment of my credit history unbeknownst to myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: DISCOVER BANK
State: NY

Complaint narrative:
I sent an validation of debt letters on XX/XX/2021 to both macys and discover. they have yet to send me anything validating the alleged debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}, {$0.00}, {$1800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 


-- AUTO LOAN OR LEASE 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOAN 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio
State: WA

Complaint narrative:
A collection from Vance Huffman was place on my Credit Report. The original creditor says, XXXX XXXX XXXX XXXX XXXX. I have never heard of this company, they appear to have something to do with phones. I have had the same phone through XXXX for years and have never used anyone else since at least 2017, prior to that I was living overseas. This is clearly a scam, I have tried to dispute this ; however, my calls are ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
To Whom It May Concern, Chase Bank freeze my checking account on XX/XX/XXXX due to SBA loan that got deposited on XX/XX/XXXX for {$9000.00}. Chase bank required me to provide them Employer Identification Number that have to made prior to XX/XX/XXXX which is I do not have. 
As XXXX  XXXX or XXXX XXXX I'm not required to apply for EIN but I can use my Social Number instead. 
Chase Bank refused to unfreeze my checking account despite all the documents that I provide such as state ID, year XXXX 1040 form,XXXX Schedule C form, IRS XXXX Transcript, 1099-K and Email from SBA showing that I have been approved for the loan. 
I can also provide all my tax return prior to XXXX showing that I am a XXXX XXXX or XXXX XXXX. 
Other than {$9000.00} from SBA there also my money that I need it to pay bills for this month but now I can't access at all, some bills like an auto insurance, credit card bill that I paid between XX/XX/XXXX - XX/XX/XXXX was returned and slap me with their fees. 
what Chase bank doing is so wrong specially on difficult time like now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I sent an validation of debt letters on XX/XX/2021 to both macys and discover. they have yet to send me anything validating the alleged debts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I sent an validation of debt letters on XX/XX/2021 to both XXXX XXXX and jpmc. they have yet to send me anything validating the alleged debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: CA

Complaint narrative:
There are 16 accounts on my credit report that do not belong to me I have tried disputing this with the bureaus since XX/XX/2020 and nothing has been done I need help Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX. 
Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
This information had been successfully removed but the previous company of this alleged debt sold this to a new company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-13 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: SLM CORPORATION
State: NY

Complaint narrative:
I sent an validation of debt letters on XX/XX/2021 to both sallie mae and XXXX. they have yet to send me anything validating the alleged debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: Fidelity National Information Services, Inc. (FNIS)
State: OR

Complaint narrative:
My issue is with Chex systems sometime in 2017 they reported an account from XXXX XXXX stating that I somehow owed them XXXX XXXX XXXX dollars which was completely false they never even let me open the account I had paid a XXXX dollar account opening fee that they refunded back to me right away I didnt have the account open for one whole day before they closed it and gave me the XXXX dollars back so I disputed this through their system and they denied me they considered it to be valid I dont know how or what they determined their decision based on because it was false on all levels but besides all of that it has been more then 3 years now and by law they legally have to take it out of my name I have tried to dispute it and demanded a request for removal procedure for the false account and all the millions of denied and declined inquiries from all the banks for the last past 3 years

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: NY

Complaint narrative:
I sent an validation of debt letters on XX/XX/2021 to credit acceptance they have yet to send me anything validating the alleged debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
XX/XX/2021 i was notified by ph from XXXX XXXX XXXX XXXX Tx - thaf XXXX  -reported felonies on my criminal report XXXX XXXX XXXX XXXX - including a XXXX XXXX case - This is CRIMINAL FRAUD REPORTING OF ELDERLY XXXX  - i reported to XXXX XXXX XXXX XXXX US atty general XXXX FTC id theft unit i have NOT seen tis report and will include XXXX XXXX - XXXX XXXX XXXX  owners XXXX ive emailed a info email at aMrent - vague site My atty has sent s cease and desist letter - i did not sign any authorization to provide information of any kind -. 

i demand XXXX  furnish me this report per federal law -

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: CA

Complaint narrative:
There are 16 accounts on my credit report that do not belong to me I have tried disputing this with the bureaus since XX/XX/2020 and nothing has been done I need help Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX  CARD Account Number : XXXX Account Name : XXXX  CARD Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX. 
Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: CA

Complaint narrative:
I am very worried because of an error that is still on my Transunion credit report. XXXX  and XXXX  have removed this mistake a while back. However, Transunion still continues to report this. I am being denied a home loan because of this mistake solely because Transunion is the only bureau reporting it. I keep getting nonspecific and generic responses from Transunion each time I try and reach out.

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