vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Collection Management. Inc
State: MI

Complaint narrative:
Consumer collection management is reporting as of XX/XX/XXXX that I owe original creditor XXXX XXXX XXXX XXXX  {$2000.00} I have not received any written notices from either XXXX XXXX XXXX nor Consumer Collection Management nor any phone calls about this supposed debt while living at XXXX XXXX XXXX  I was verbally threatened by the property manager that she would have me evicted if i miss my rent payment by one day I received multiple written notices on my door on XX/XX/XXXX stating I had 3 days to pay my rent or legal action would be taken against me and I had reported to the property manager I had just lost my job due to Covid and the state of Indiana was working on helping me pay it till I was cleared to go back work but was told if I didnt have the money within 24 hours the sheriffs department will be serving me with an eviction notice that she had filed the same day I called to report that the date was going to assist in paying the rent while I was in the hospital after talking to the property manager my father went up to my apartment to find that the door lock had been broken and all my stuff piled in the living room of the apartment when I called about the incedent the property manager refused to take my call the next day my father went back up there and stuff that had been piled in the living room was found in the dumpster out front of the building so he took what was left back to his house and once I was released from the hospital my door locks had been changed and the property manager still refused to answer my call on XX/XX/XXXX I need to know if there is any help for me I cant get thru to village green apartments nor consumer collection management to find out what the debt is from because my rent was only {$750.00} a month

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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 is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2022-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I, XXXX XXXX, a consumer of Chase Credit Card Services, received notification my limit was decreased from {$13000.00} to {$6000.00} without notice. I previously was given an increase back in XX/XX/2021 and now this company has abruptly reduced my limit due to inactivity. I was out of town on a trip with my wife and could not utilize my card to pay for our hotel accommodations when I had the funds available previously to use. This caused a major impact to my trip finances and I had to move to a different hotel costing me an additional {$1000.00}. I am very disturbed and frustrated by the disregard this company has put on myself as an outstanding consumer. I have always paid my bills on time and I travel XXXX times per month and need access to my credit cards. This has now dropped my credit scores and negatively impacted my credit. I have been an account holder for 5 years and have never been delinquent or maxed out my card. I reached out to Chase for more information as to why my card limit was reduced and they only stated due to inactivity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/2020 Chrysler Capital has an inquiry on my credit report that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: MD

Complaint narrative:
Please remove these negative items from my reports it has been months and I have disputed these items multiple times and have not received any notice or anything it has been more then thirty days and I have been harassed from creditors and regards to debts that are inaccurate please look into this matter immediately I have did some research and there are clear violations from the fcra and fdcpa

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 2022-01-07 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: MD

Complaint narrative:
Please remove these negative items from my reports it has been months and I have disputed these items multiple times and have not received any notice or anything it has been more then thirty days and I have been harassed from creditors and regards to debts that are inaccurate please look into this matter immediately I have did some research and there are clear violations from the fcra and fdcpa

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to delete the following information in my file. The items i need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the federal trade commisions identity theft affidavit. Please delete the items as soon as possible.

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 2022-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
i XXXX XXXX checked my credit report and i noticed some fraudulent an inaccurate accounts on my credit.i then proceeded to reach out to the credit reporting agencies for remedy the situation but would not help me correct these fraudulent an inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: IL

Complaint narrative:
hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX. XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with experian i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter

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 2022-01-07 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian, XXXX XXXX XXXXXXXX, XXXX, TX XXXX Experian has been wrongfully reporting wrong information on my credit report. I have been disputing this Bankruptcy information for over six months. They buy information from a third party called XXXX XXXX which is very inaccurate.I will follow up with this matter with the NJ attorney general. New Jersey Bankruptcy court does not communicate neither provide information to the 3 credit Bureaus. I have attached a court document to prove my case. In addition, I attached a utility bill.

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 2022-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. Transunion has me at a score around XXXX. That is a huge difference. Transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with experian i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 10 times. Transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter

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 2022-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
i XXXX XXXX checked my credit report and i noticed some fraudulent an inaccurant accounts on my credit.i then proceeded to reach out to the credit reporting agencies for remedy the situtation but would not help me correct these fraudulent an inaccurant accounts.

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 2022-01-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CHECK INTO CASH INC.
State: MS

Complaint narrative:
I lost my job and was diagnosed with XXXX XXXX XXXX and lost car due to no employment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo was picking and choosing when a what statements to post on my accounts I had made payments on mine and my boyfriends XXXX XXXX XXXX XXXX  and after the one payments were accepted and deposited to my account Wells Fargo without my permission dispsuted the transactions and never returned my money causing XXXX to close my account even effecting our credit.It was closed due to multiple payment returns that we did not request Wells Fargo to due and money was never returned to me.Wells Fargo even tried to charge me 35 bucks for a return fee which they did without my consent.I already made a complaint and got a lie for there answer and I will provide that with the proof that there lying the first 6 attachments will prove the lying them taking and not returning my money they even altered my transactions so u cant even see when they took the payments out and no showing it was returned

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 2022-01-07 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: CA

Complaint narrative:
XX/XX/21 Sent a letter via certified mail to Experian. Tracking number XXXX XXXX XXXX XXXX XXXX. Letter stated rights being violated and ask to have my personal information removed from consumer file.

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 2022-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian failed to provide the method of verification that I requested for XX/XX/2021. Instead they only updated the file without showing any proof of proper investigation. The file from XXXX XXXX XXXX never showed proof or verified that they have a right to report on my file. Therefore by law this file should be deleted for negligence towards the fair credit reporting act.

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 2022-01-07 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: LEXISNEXIS
State: NJ

Complaint narrative:
XXXX, XXXX XXXX  XXXX, XXXX, TX XXXX XXXX has been wrongfully reporting wrong information on my credit report. I have been disputing this Bankruptcy information for over six months. They buy information from a third party called Lexis Nexis which is very inaccurate. 

Letter to LexisNexis ( Please accept this formal letter as my second request to investigate & remove derogatory account from my consumer report. I have found it has errors. It has come to my attention that you are reporting inaccurate data which I dispute, and this letter is an appeal for your assistance. As a consumer reporting agency 15 USC 1681a ( f ), you are governed by the Fair Credit Reporting Act ( FCRA ) 15 USC & 1681 et seq., which protects consumers from inaccurate, outdated, or invalidated information reporting of their consumer files. The FCRA states that its the consumer reporting agency 's responsibility to ensure that all information contained within consumer files is accurate & free from errors. Your company is regularly engaged in the business of assembling, evaluating, and disbursing information concerning consumers for the purpose of furnishing consumers reports, as defined in 15 USC $ $ 1681a ( d ), to third parties. 

New Jersey Bankruptcy court does not communicate neither provide information to the 3 credit Bureaus. I have attached a court document to prove my case. 
cc ; New Jersey Attorney General

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Happy XXXX XXXX to you and I hope your day is going well. My information is inaccurate across the credit bureaus. The other bureaus are showing nothing for these accounts and everything supposed to be the same. I am a victim of identity theft. Being a victim of identity theft is quite embarrassing and I want to make things right. My name is XXXX XXXX, I have enclosed all verification documents of my identity. I am submitting this complaint myself. I Advised the credit bureau of what happened and this account doesnt belong to me. Other credit bureaus removed it but this one did not. They are supposed to be the same information throughout all reports. Which means this account wasnt verified accurately. I Requested method of verification and was simply ignored. This account does not belong to me. This is unauthorized and needs to be deleted immediately. This has completely ruined my relationships with other institutions. Account needs to be deleted as it is showing as negative derogatory on my credit report and doesnt belong to me. I am receiving many messages with an urgency tone from this company. Which is violating my rights. I did not consent to this account. Fully unauthorized and needs to be removed. Delete the account as requested. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.

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 2022-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: WA

Complaint narrative:
I began receiving multiple credit alerts through my credit card company in XX/XX/XXXX. The alerts claim that I have an account with Sequium Asset Solution & received a major derogatory status. They claim that they have not received payments for a past-due account for 120 days or longer. These credit alerts have negatively impacted my XXXX XXXX even though these claims are completely false. My credit card company was able to tell me that the creditor was XXXX for a collection of {$570.00}. I have not had an account with Spectrum since XXXX and after reaching out to XXXX directly, they confirmed that my account was closed and there was no active account under my Social Security Number. They did not recognize any report to Sequium Asset Solution. I have attempted to contact Sequium directly many many times, with two different phone numbers, and have had no luck in reaching someone. I have also tried to reach them through their message portal on their website without any success. I have never had an account with Sequium as they claim and do not owe any outstanding bills to XXXX. Even if I did owe a debt, they have made it impossible to reach them. I have submitted a request to dispute these false claims through my credit card company and am hoping to delete this from my credit score which has been Excellent, a score over XXXX, for many years.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: NV

Complaint narrative:
There is an amount of {$60.00} to a doctor in dispute as reported by the big 3 credit bureaus, it would if dropped improve the score by enough points to refinance our mortgage. I paid {$19.00} for a full report. The health insurance company said the charge was disputed and the copay would have covered the visit. Yet the {$60.00} still shows on credit report as unpaid and delinquent. I'm not sure how to go about recovering from the mistake to make our credit score raise. This was discovered two days ago Monday XX/XX/XXXX by a mortgage company who told us what was holding the refi up. This is after I paid for report from credit bureaus. The health insurance company disputed the amount with the doctor and the medical office and there was an agreement that the amount was wrong and only the {$15.00} was needed for the payment the copay and it was paid in office the day of service and this is over 2 years ago.

Company response to consumer: Closed with explanation