vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: IA

Complaint narrative:
I have two entries on my credit report for Credit Collection Services ( CCS ). XXXX XXXX placed old accounts with them when I had unpaid policies. I did not receive anything from Credit Collection Services and I have never done business with them. The debts were paid directly to XXXX XXXX and have been paid in full. 

I called CCS and requested that since I have never done business with then and I have never been contacted by them that they remove the entries on my credit report and they refused to do so. 

I also notice that they are violating the FCRA because to my understanding collection accounts should not show a balance and they do on both entries. 

I have also attached evidence from the NMLS Consumer website where it appears that they are not licensed to do business in Iowa and they are violating licensing laws. 

I would appreciate it if they would remove these entries immediately because they are damaging my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: MN

Complaint narrative:
I sent a dispute letter on XX/XX/XXXX through Certified Mail to Equifax requesting a reinvestigation and the Method of Verification for an account on my credit profile through Equifax. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. 
I sent copies of XXXX  and XXXX  removing the same account in question due to not being able to verify the accuracy, compliance, and report ability. 
Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Equifax has been non-compliant and didnt complete the dispute in 30 days. I further remind Equifax, as in XXXX XXXX XXXX  XXXX, XXXX. XXXX ( C.D. XXXX. XXXX, XXXX ), you may be liable for your willful non- compliance. 
The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act and no validation in the 30 day time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: MN

Complaint narrative:
I sent a dispute letter on XX/XX/XXXX through Certified Mail to Equifax requesting a reinvestigation and the Method of Verification for an account on my credit profile through Equifax. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. 
I sent copies of XXXX  and XXXX  removing the same account in question due to not being able to verify the accuracy, compliance, and report ability. 
Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Equifax has been non-compliant and didnt complete the dispute in 30 days. I further remind Equifax, as in XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D. XXXX. XXXX, XXXX ), you may be liable for your willful non- compliance. 
The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act and no validation in the 30 day time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: MN

Complaint narrative:
I sent a dispute letter on XX/XX/XXXX through Certified Mail to XXXX  requesting a reinvestigation and the Method of Verification for an account on my credit profile through XXXX. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). XXXX  has been non-compliant and didnt complete the dispute in 30 days. I further remind XXXX, as in XXXX XXXX XXXX  XXXX, XXXX. XXXX ( C.D. XXXX. XXXX, XXXX ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. The public record is non compliant, inaccurate, and unverifiable.

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 2020-11-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is a XXXX organization that nourishes off destitute XXXX American consumers. NO! XXXX Lives do not matter to them when they are complicit with collection agencies to deceive consumers. In particular, XXXX American consumers. I have begged them to remove XXXX XXXX XXXX XXXX and XXXX XXXX XXXX from my credit file. I have told Equifax for years that these two tradelines are one of the same and fraudulent. The auto dealership owner has been put in jail, and the city of XXXX, Georgia, has closed the business due to severe criminal activity. Equifax is very aware of this dealership. Yet, they have made a reckless decision to put profit over the welfare of me, the innocent consumer. Somebody stole my identity and fraudulently used it, and Equifax, this XXXX and corrupted organization, stubbornly refuse to make the appropriate gesture in good faith by removing those fraudulent items. When will Equifax be punished for their corrupt commotions? I went through the Consumer Financial Protection Bureau to prove my case, and Equifax still refuses to remove these fraudulent tradelines. It is regrettable!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I notice a Wells Fargo Checking and credit account open under my information without authorization and permission, I notice there is predatory practice by the bank institution to incurred a large amount of transaction without my permission and acknowledgment.

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 2020-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I notice a Wells Fargo Checking and credit account open under my information without authorization and permission, I notice there is predatory practice by the bank institution to incurred a large amount of transaction without my permission and acknowledgment.

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 2020-11-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Innovate Managed Holdings, LLC
State: GA

Complaint narrative:
XXXX  is a XXXX organization that nourishes off destitute XXXX American  consumers. NO! XXXX Lives do not matter to them when they are complicit with collection agencies to deceive consumers. In particular, XXXX American consumers. I have begged them to remove Innovate Loan Servicing Corp. and XXXX XXXX XXXX from my credit file. I have told XXXX  for years that these two tradelines are one of the same and fraudulent. The auto dealership owner has been put in jail, and the city of XXXX, Georgia, has closed the business due to severe criminal activity. XXXX  is very aware of this dealership. Yet, they have made a reckless decision to put profit over the welfare of me, the innocent consumer. Somebody stole my identity and fraudulently used it, and XXXX, this XXXX and corrupted organization, stubbornly refuse to make the appropriate gesture in good faith by removing those fraudulent items. When will XXXX  be punished for their corrupt commotions? I went through the Consumer Financial Protection Bureau to prove my case, and XXXX  still refuses to remove these fraudulent tradelines. It is regrettable!

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 2020-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, i am here reporting a problem regardless between XXXX and Bank of America. On XX/XX/2020 i made a purchased through my debit card to XXXX for a laptop for {$970.00}. Fast forward to the day of delivery and it is not here so i contacted their customer service just to check maybe because of covid 19 maybe there is a delay to the package and whoever on the other side states that the package has been delivered. I told the customer service that i did not received any package and i check around my house and also my neighborhood just in case they keep the package away for safely but no one see it. The customer service proceed to check what option they have and they decide from their end to send a replacement prior to any claim and investigation to the claim of my package. I received the replacement package and after further research on the laptop after couple days i decided to went in store and return the laptop. On XX/XX/2020 i received my refund back on my debit card, but on XX/XX/2020 XXXX decided to charge me again for the same amount without any contact or email. I am trying to contact XXXX to explained them what is happening and ask why there is the same charge to my debit card. Everyday it will take between 40 minutes to 1 hour and 30 minutes just to reach someone. I was told that they indeed refund for the item that i returned in the store. I told them that i understand that i received a fund for the item that i returned but why i got another charge for the same amount. I tried to solve it with their customer service for at least 2 months but nothing seem to work and i contact Bank of America for help regardless the issue. BOA filed a claim dispute for the amount and yet as i provided a physical return receipt from the store and what happen with the charge. I filed the total of 3 dispute charge with BOA with all end result is under resolved which is not true. I was punished because XXXX customer service decided to not file a claim or investigation prior to ship out a replacement and XXXX tried to point finger that is my fault. The XXXX order number is : XXXX. The BOA claim number is : # XXXX. I bought the laptop to work from home and now my account went negative and nobody seem to understand what i am trying to explain what is happening with the issue. All those three times i filed claim with BOA i always provide the copy of my physical return receipt from the store. I believe the charge they charge again is under the first laptop that they sent and it went missing. I need help. Thanks 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 monetary relief
Consumer complaint received 2020-11-21 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I sent a dispute letter on XX/XX/XXXX through Certified Mail to Equifax requesting a reinvestigation and the Method of Verification for an account on my credit profile through Equifax. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Equifax has been non-compliant and didnt complete the dispute in 30 days. I further remind Equifax, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal. Nov.14, 1995 ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. The public record is non compliant, inaccurate, and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: MN

Complaint narrative:
I sent a dispute letter on XX/XX/XXXX through Certified Mail to Experian requesting a reinvestigation and the Method of Verification for an account on my credit profile through Experian. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). XXXX  has been non-compliant and didnt complete the dispute in 30 days. I further remind Equifax, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal. Nov.14, 1995 ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. The public record is non compliant, inaccurate, and unverifiable.

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 2020-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I sent a dispute letter on XX/XX/XXXX through Certified Mail to XXXX  requesting a reinvestigation and the Method of Verification for an account on my credit profile through XXXX. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). XXXX  has been non-compliant and didnt complete the dispute in 30 days. I further remind XXXX, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal.XX/XX/XXXX ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. The public record is non compliant, inaccurate, and unverifiable.

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 2020-11-21 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: CA

Complaint narrative:
Upon reviewed my files, I notice a XXXX Checking and Credit Account open under my information without authorization and permission, I notice there is predatory practice by the institution to incurred a large amount of transaction in the balance of {$1600.00} and keep incurred hidden fees without my permission and acknowledgment.

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 2020-11-21 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: Westlake Services, LLC
State: TX

Complaint narrative:
I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.

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 2020-11-21 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: STERLING JEWELERS, INC.
State: TX

Complaint narrative:
I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: Riverwalk Financial Corporation
State: PA

Complaint narrative:
I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.

Company response to consumer: Untimely response
Consumer complaint received 2020-11-21 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: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: Westlake Services, LLC
State: PA

Complaint narrative:
I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: Harris & Harris, Ltd.
State: GA

Complaint narrative:
I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.

Company response to consumer: Closed with explanation