vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Good Morning, For several years I've noticed a clear difference between the credit scores provided by Experian, XXXX, and XXXX  ( Experian is always rating my credit dramatically lower than XXXX, and XXXX  ). I suspect that it is because I do not take advantage of the Experian " Boost '' feature. This is unfair as, I believe, the 3 Credit Reporting Agencies should be using the same criteria to fairly rate consumer credit. 

A current example of what I'm speaking of my credit ratings, as of today ( XX/XX/2021 - a 60 point difference ) : XXXX XXXX - XXXX XXXX  - XXXX Experian - XXXX (??? ) Your assistance in addressing this would be highly appreciated.

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 2021-01-14 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: CA

Complaint narrative:
XXXX : Experian To Whom It May Concern, I sent a letter to Experian dated XX/XX/XXXX disputing unauthorized inquiries as erroneous, and I have not received a response from them. They have NO proof I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), they had 30 days to investigate these disputes. If they could not verify the information within 30 days, they should have deleted the disputed unauthorized inquiries from my report. 

I have frozen and suppressed All XXXX party information vendors since Summer XXXX, including XXXX XXXX, XXXX XXXX, XXXX, and XXXX  XXXX. EXPERIAN MUST VERIFY THESE UNAUTHORIZED INQUIRIES DIRECTLY WITH THE COMPANIES LISTED BELOW, NOT WITH 3RD PARTY DATA MINORS. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. The following inquiries are unauthorized : FACTUAL XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX-XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX  CARD Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX Attached you will find copies of my 3rd party vendor proof of suppression and the demand to comply package sent to Experian. 

Sincerely,

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 2021-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2020 and XX/XX/2020 there were charges at XXXX XXXX XXXX XXXX AZ for {$310.00} and {$200.00} supposedly purchased with the chip. 

I called the fraud services and immediately received a new card and they began the resolution process. On XX/XX/2020 they charged back these charges to my account stating that there was no fraud. I called customer service and they said that I needed to submit documentation but would not tell me what type of documentation. I then found a receipt that I was at a doctors appointment in XXXX, California where I live the day of one of the charges. I faxed the information to US BANK. I then called to follow up and they said I needed to talk to a fraud specialist and they would call me within 24 hours. I have not heard from them and it has been over a week. They also stated it was not fraud because chip cards can not be duplicated.

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 2021-01-14 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: AL

Complaint narrative:
On XX/XX/XXXX, I submitted a letter regarding unknown and inaccurate information on my credit report. As of XX/XX/XXXX, which is more than 60 days later, I still have not received any response. I am under the impression my disputes are being ignored and disregarded. I feel as if I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove the items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately, or I will file for litigation due to the unjust due stress you have caused me. Furthermore, my personal information was impacted by the Equifax data breach andmay have gotten into the hands of unauthorized individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: SC

Complaint narrative:
Since XX/XX/2020 I have requested Experian to delete the account in question because of the wrongful reporting. Experian is still reporting a Chargeoff account with a balance from XXXX  XXXX  XXXX. According to the FCRA there should be a {$0.00} dollar reported when the account has been sold to a collection agency. I have attached the invoice from the collection agency and my response letter to the collection 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 2021-01-14 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: Rhode Island Student Loan Authority
State: RI

Complaint narrative:
My debt for Rhode Island Student Loans was update as current even though i already past my statue of limitations. Collections was opened in XX/XX/XXXX, RISLA falsely updated as current in XX/XX/XXXXand XX/XX/XXXXof XX/XX/XXXXin order to re-age account. I never made a payment nor did i ever contact them so this is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC
State: NY

Complaint narrative:
I get repeated calls from ( XXXX ) XXXX & ( XXXX ) XXXX. They leave a message that this is a confidential matter and that they are trying to collect a debt. I do not identify myself on my VM, so they should not be leaving this message. They have also called my parents house and my ex-husband and left messages on their VM. They are not respecting my privacy. They say on the message to go to the website and enter the account number they give to pay the debt. I tried just to see if this is for a legit debt and the account number doesn't exist. As far as I'm concerned this is a scam. They threaten to take legal action if the debt is not paid. The voice on the message sounds like a robot. They identify themselves as Direct Recovery Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: MS

Complaint narrative:
I HAVE NO PAPER TRAIL STATING THAT I OWE THIS DEBT. I DONT EVEN KNOW THE REASON FOR THE CREDITOR ( BOARDWALK FOR AN APARTMENT I DIDNT LIVE IN. ALL I DID WAS DO THE APLLICATION AND PAY THE APPLICATION FEE. I NEVER HEARD FROM THEM AGAIN AFTER FILLING OUT THE APPLICATION. I DONT HAVE NO TYPE OF CLUE WHAT THIS IS REALLY ABOUT. I TRIED CALLING THEM COMPLEX ON XXXX JUST TO FIND OUT THE PROPERTY HAS BEEN BOUGHT BY A NEW COMPANY AND THEY HAVE NEW SYSTEMS. I WOULD LIKE THIS MATTER RESOLVED AS SOON AS POSSIBLE. I'VE WRITTEN THEM A LETTER ASKING FOR VALIDATION TO VALIDATE THIS DEBT. THE LETTER WILL GO OUT TOMORROW ON XXXX. THIS HAS BEEN A NIGHTMARE, I DIDN'T FIND OUT UNTIL I TRIED TO GET AN APARTMENT FOR THIS XXXX TO RELOCATE FOR A BETTER PAYING JOB.

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 2021-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I open I new account with regions bank with a bonus promotion. All the requirements have been met and still no bonus

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 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX, I submitted a letter regarding unknown and inaccurate information on my credit report. As of XX/XX/XXXX, which is more than 60 days later, I still have not received any response. I am under the impression my disputes are being ignored and disregarded. I feel as if I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove the items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately, or I will file for litigation due to the unjust due stress you have caused me. Furthermore, my personal information was impacted by the XXXX  data breach andmay have gotten into the hands of unauthorized individuals.

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 2021-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: CURO Intermediate Holdings
State: VA

Complaint narrative:
The amount on the collection is not accurate. The company had not proven the amount to me. In XX/XX/XXXX my balance was XXXX. This is the accurate amount. They have charge excessive fees and interest as currently the balance shows XXXX and it has been reporting past due as if it is an active account which is not accurate and impacting my credit score more than any other collections. This is not fair credit act and is inaccurate report. Also the account was not started in XXXX. It was XXXX. They closed my account in XX/XX/XXXX and they continue to charge interest and fees until they reported to the credit berau this is against the fair credit act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: VA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and incorrect items on my credit report. To this day over 60 days later I have not received a response as of yet. I feel like Im being taken advantage of and being ignored of my disputes. I demand these damaging accounts be deleted immediately. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: CA

Complaint narrative:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

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 2021-01-14 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:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: Ocwen Financial Corporation
State: UT

Complaint narrative:
PHH Mortgage Services is reporting me late on XX/XX/20 through XXXX and I was not late. Due to the unforeseen circumstances surround the pandemic of Covid-19 I was severely financially impacted. I worked with PHH Mortgage Service through this and they knew about my situation. We decided that the best course of action would be to put my mortgage in deferment. However, I recently checked my credit and noticed that they have been reporting me late when I was specifically told that they would not report me late or file any negative marks on my credit. This is extremely disappointing as I trusted this company to help me out in a time of need. I ask they please remove the lates from my credit file. If I knew I would be receiving late notations on credit I would have come up with a different plan. Also under the federal mandate and CARE act late notations can not be filed during the Covid 19 pandemic. I am very disappointed and want to get this sorted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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:
Ive been reaching out to Experian over the past few months XXXX  the inaccurate and inconsistent information reporting on my credit report. Ive attached the letters and certified receipts as proof. Each time I sent the letter to the agency the said they updated the account but their where no changes made and the cleay reaged the XXXX which is a violation. So because I felt like they were neglecting to investigate my concern I asked for the method of verification in my letter XX/XX/2020 and NEVER receive a respond

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 2021-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: MA

Complaint narrative:
Hi, I received a collection call today from XXXX ( IQ Data Inc ) regarding a debt for XXXX XXXX XXXX  XXXX XXXX. It's totally unacceptable because first of all, I lived there for more than six years ago and I'm pretty sure that I don't owe them anything. I remember that 30 days after I left and noticed that didn't receive my deposit back, I only received by mail a letter with absurd amounts related to replacing the carpet and minor repairs to the wall. 

When I emailed them using their ( Contact Us form on community 's Marketing Website section ), I questioned why the prices were so high, so that time a XXXX representative ( XXXX XXXX - XXXX ) was replying all my emails and one of the emails she was apologizing in regards the wrong estimate that I received by mail to replace the carpet and to fix minor wall repairs, so she came to the conclusion of a completely different and lower amount than the one that I had received in the mail. 

Finally, I was informed by her on XX/XX/2015, XXXX XXXX, that the final amount would be {$320.00} ( they already got my deposit that time and never gave me back ). My deposit was suppose to cover for all the repairs that they mentioned but they decided to over charged me that time and charge an extra amount ( the one mentioned here ) to replace the carpet and minor wall repairs. Lastly, I agreed immidiatelly about the final amount ( extra amount ) and asked her how should I make the final payment, once they said my deposit will not cover for all this expenses. 

On XX/XX/2015 at XXXX XXXX, I also informed her that I would be going there that day to drop the payment that was agreed between us by email. 

I was reading my emails again now with her and I noticed that I mentioned to her that I will drop-off a money order and not a check. I just called XXXX XXXX ( the company that I purchase 99.99 % of my money orders ) and they said that I need to request by mail a " Money Order Research, but it could take 6 to 8 weeks to send me back the results and we cant wait all this time. This is not fair because Im pretty sure they lost my money order that time based on the call that I received today. 

I don't understand how a company like XXXX XXXX XXXX does not have a copy of my payment anywhere there. I will fight to proof my innocence because I know this was paid on XX/XX/2015 when I dropped the money order there that day. Im going to also file a dispute now on ( https : //www.consumerfinance.gov/complaint/ ) about this. 

I just tried to contact XXXX XXXX by phone and e-mail but her email is not working and I couldnt find her by phone as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and incorrect items on my credit report. To this day over 60 days later I have not received a response as of yet. I feel like Im being taken advantage of and being ignored of my disputes. I demand these damaging accounts be deleted immediately. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I have received several calls in an attempt to collect old payday loan debt. The caller insists criminal charges will be pressed if I do not pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Premier Holdings
State: TX

Complaint narrative:
I have received several calls in an attempt to collect old payday loan debt. The caller insists criminal charges will be pressed if I do not pay them.

Company response to consumer: Untimely response