vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
I am a victim of identity theft. The tradeline, which appears on my credit report from XXXX XXXX last reported XX/XX/2021 in the amount of {$420.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted XXXX XXXX individually and have not received any reply back.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland Funding received my request to validate a debt on XX/XX/XXXX, for {$970.00} which is appearing on my Consumer credit report. I have copies of the green return receipt. I gave them 30 days to reply from the receipt of the Debt Validation letter. 
As of XX/XX/XXXX, there's no reply. This a violation under the Fair Debt Collections Practice Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: AZ

Complaint narrative:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XXXX  2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was taken advantage of after several of accounts were removed form my account then replaced. This is a updated report that was recently pull and none of my reports from the bureaus are reflecting. Please correct information. Once information is removed, you can not go back and put it on my report again which you did. I am being taken advantage of, many practices are been broke by your company. You have hurt my ability to obtain credit and I cant get a sba loan for my current business. Please XXXX HELP ME IN THE TRYING TIME. I CURRENTLY HAVE XXXX AND HAVE BEEN IMPACTED BUT STILL I PAY MY BILLS ON TIME. I WANT ALL NEGITIVE ITEAMS REMOVED FROM MY CREDIT REPORT AFTER SEVAL OF LAWS HAVE BEEN BROKEN BY YOUR COMPANY UNDER THE FCRACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: Lending Club Corp
State: NY

Complaint narrative:
Good afternoon, I was impacted by the pandemic my last day in my office was XX/XX/XXXX. I returned and had no choice but to accept a demotion on XX/XX/XXXX making approximately $ XXXX less than I was making. I used up all of my savings to keep up with my payments. Before the pandemic I had an impeccable payment history. Never missed a payment. The Corona Virus Aid Relief Economic Security Act was enacted in XX/XX/XXXX stating Late payments should not be reported to the Credit Bureaus. I contacted Lending Club letting them know of my situation. They allowed me 3 months grace period. After 3 months, I told them I was not back in my office and I'm not able to make my regular payments. They told me they are not able to keep my account open unless I make my regular payments, or I can settle the account. I settled the account and paid the amount settled in full. I contacted them on XX/XX/XXXX letting them know of the Corona Virus Aid Relief Economic Security Act, asking them to please remove the late payments on my credit report for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and they responded and refused to do anything about it. Before the pandemic I always made my payments on time. If it wasn't for the pandemic, I would be able to make my payments on time. My Loan # is XXXX. I'm trying to refinance my house to pay off my credit cards but I'm not able to do so because Lending Club derogatory information is affecting my credit score and my ability to do so. Please call me if you have any questions XXXX. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Concord Servicing Corporation
State: CA

Complaint narrative:
I traveled to XXXX XXXX XXXX and was persuaded into attending a timeshare presentation for XXXX XXXX. Unfortunately, I made the mistake of signing up for the membership. After a day or 2 I realized the company was scamming tourists out of their money and not providing the type of service advertised during the presentation. I notified them verbally and in writing on multiple occasions ( within the 5 days legally given to cancel ) that I wanted to cancel the membership. Despite confirming the account was closed because our credit card transactions were reversed/disputed, I still received notification that the account had been sent to Concord  Servicing Corporation in XXXX Arizona for servicing. I verbally confirmed with XXXX XXXX that the account was closed but Concord continues to say the account shows it is active and suggests that I call XXXX XXXX for this issue. When calling XXXX XXXX you end up in a Rabbit hole trying to speak to anyone which I believe is all part of the scam. People answer the phone and immediately hang up, phone calls go unanswered, voicemails go unreturned, etc. I continue to receive debt collection mail from Concord threatening to damage my credit if I do not pay 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 2022-01-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX, consumer, natural person and original creditor of an open end credit plan. I received a copy of my consumer credit report and I am now aware of some negative payment history that is being furnished without my written consent. Pursing to the FCRA 15 USC 1681b ( a ) ( 2 ) you may not furnish a consumer report without the written consent to report anything on my consumer report. No consent is identity theft. However, under 15 USC 1681a ( 2 ) ( i ) Exclusions from a consumer report include information solely as to transactions or experiences between the consumer. By law you can not furnish transaction history. Transactions are late payments, this needs to be removed now. According to 15 U.S. Code 1681 ( a ) ( 4 ). The information being reported is false, misleading and fraud. All in which so has caused many damages over time. Pursing to the FCRA15 USC 1692d a debt collector may not engage in the use of criminal means to harm the physical person consumer or my reputation. These late payments are damaging my reputation. They have also caused me great harm, mentally and physically. Pursing to 15 USC 1692e ( 2 ) ( a ) a debt collector may not use the false representation of the character of a consumer. Late payments are character damaging. It states you cant report the character of any debt meaning its in my character to pay late based on my consumer report. This is tarnishing my character. I am demanding that you remove every late payment. According to 15 USC 1681a ( q ) ( 3 ), identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. The term " Person '' in this section 15 USC 1681a ( b ) means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. In this case this corporation ( Experian ) is in violation. This is identity theft and as a result, the late payments must be removed and blocked from my file.To conclude, under 15 USC 1681c you must block any information in my file from an alleged identity theft, no later than 4 business days after the date I provide the details to 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 2022-01-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Despite my better efforts the original creditor has yet to be displayed on My credit report and the account still shows the opening date is 2014 more than 7 years ago. According to FCRA rules it's no secret that that should not exist there nor is it valid I'll add or verify above without the original credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite my better efforts the original creditor has yet to be displayed on My credit report and the account still shows the opening date is 2014 more than 7 years ago. According to FCRA rules it's no secret that that should not exist there nor is it valid I'll add or verify above without the original credit.

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 2022-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: DC

Complaint narrative:
'I C System ' is trying to collect a debt of {$300.00} on behalf of XXXX XXXX XXXX and XXXX XXXX XXXX - Debt has been in the collection for almost XXXX years. I was unaware that the collection was in place ( no notification via mail, email, or phone ) and was actively ruining my credit. XX/XX/XXXX, I received a call from an investigator running a background check regarding this financial debt delinquency ( First notification about this debt ). I immediately called XXXX XXXX and XXXX and they confirmed that the account is paid in full and closed since XX/XX/XXXX. I called I C System multiple times trying to figure out what was going on and whether they had any documents proving their right to collect a debt. I C Sytems repeatedly hung up the phone on 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 2022-01-11 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX US DEPT ED XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2022-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of identity theft and I have not authorized any hard inquiries on my credit profile for the companies XXXX XXXX XXXXXXXX reported on XX/XX/2021, XXXX reported on XX/XX/2021 and XXXX reported on XX/XX/2021. I am requesting that the credit reporting agencies XXXX and Transunion removed these unauthorized fraudulent hard inquiries from my credit profile.

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 2022-01-11 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: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on 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 2022-01-11 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: Tate and Kirlin Assoc
State: AZ

Complaint narrative:
debt is outdated this company is not licensed in AZ

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-11 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a business called XXXX XXXX XXXX XXXX XXXXXXXX with a business partner. In XXXX of 2020, my business partner made a deal with the chase to pay a reduced amount for the credit card since we closed the shop due to COVID. 

They told him not to pay the monthly fee and then can negotiate. My business partner did that, and when Chase and our business made a deal and paid off the credit card, somehow they closed all of my personal credit cards as well. and my XXXX score went down over XXXX points in one day. When my business partner called, they said it wasn't supposed to happen and I wasn't supposed to affect like that but they didn't do anything to reverse/correct it. Now it still shows on my personal record that I had a late payment, and my credit score is still low. I am sure they will have a voice recording of our phone conversations. 

I didn't know the government had a service to try to fix it. So I am writing to you guys to see if I can get it corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CarMax, Inc.
State: CA

Complaint narrative:
Account # XXXX When I was buying the vehicle I was not informed about the heavy daily finance charge. it was hidden in between their long XXXX page contract during the loan disclosure. 

It's been approximately 3 years and this has put me in deep debt since Covid. 

My monthly payments are {$300.00} and {$85.00} of it are allocated to daily finance fees. This only leaves me with a principle of {$200.00} going towards my loan monthly. Please note, I have paid the full due amount every month on time. 

This is predatory and has put me in debt and hardship, especially after Covid. I didn't know I was getting taken advantage of with my car payments until I spoke to a XXXX. In addition to this, the APR ( 9.45 % ) was unfair for someone with a XXXX XXXX XXXX and who never made a late car payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
XX/XX/XXXX {$4000.00} Payment Sent XX/XX/XXXX Shown on the statement XX/XX/XXXX Check cashed and stamped by Goldman Sachs Apple XX/XX/XXXX Payment reversed, Apple to apply no details why, bank of check confirmed funds were cashed XX/XX/XXXX {$4000.00} reapplied and an email was sent apologizing for their admin error Multiple calls confirming that the payment would be backdated since funds were NOT late, it was a result of the banking institution, and that the late payment of 60 days in XXXX would be removed. 

My payment was reported 60 days late in XXXX of XXXX. In XX/XX/XXXX on the phone I was told this late payment would be removed because it was Apple 's mistake. It has yet to be fixed. These late payments are not accurate. The original XXXX payment was not backdated. They just reflected it as a new payment in XXXX. Their error has drastically affected my credit where I've never had a 30 late payment. 

My funds were held hostage, my calls and investigations with them go nowhere. 

XXXX of XXXX there were fraudulent charges that were disputed. My payment for XX/XX/XXXX did not post till XX/XX/XXXX. They reported that 60 days late despite it being 1 day late. My statement shows XXXX payments within 60 days of XXXX. Their reporting is inaccurate. I have been going back and forth with them for over a year having to start over every time I call and not receiving any callbacks. 

Their customer service has not helped at all. 
Proof attached : check with time and date of being cashed by Goldman Sachs, gmail with their apology, statements reflecting errors & showing all payments, proof of check being sent via USPS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
The car was sold to me with many problems. I tried to resolve issue with company several times but they gave me no solution. I was basically sold a lemon car.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: IL

Complaint narrative:
I received a letter from Hunter Warfield dated XX/XX/XXXX which was an attempt to collect on a debt that I did not owe, and never incurred. I received this letter on XX/XX/XXXX. I sent a demand for a debt validation letter on XX/XX/XXXX via XXXX certified mail. I never received the requested validation, or any communication from Hunter Warfield, until today. Today, XX/XX/XXXX I received another letter dated XX/XX/XXXX which was an attempt to collect on that same debt which I do not owe and never incurrred in the amount of {$1600.00}.

Company response to consumer: Closed with explanation